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you pay a monthly fee to insurance, which is supposed to be used to pay a doctor for a visit, etc. except what insurance companies are doing is not paying the full amount they owe the doctor for the patient, in turn making the doctor have to charge the patient more to stay in business.

A study of why the United States spends so much more on health care than in other high-income countries concludes that higher prices — particularly for doctors and pharmaceuticals — and higher administration expenses are predominantly to blame. U.S. policy must focus on reducing these costs in order to close its spending gap with other countries.
     
 
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