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Insur. companies get those disc. b/c they promise the facility a certain amount of business. Your not going to get those disc. if you can't promise someone business. The larger the insurance company, generally the larger the disc. (b/c they can promise more business). That is why smaller insurance companies frequently can't compete.
You hit the nail on the head, most of us are paying for someone else's illness - unless you have that illness, then someone else is helping to pay for you.
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