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If we had a medicare-for-all system, we could provide some economic discipline by having high deductible plans, even if those plans are completely covered by a government-funded HSA plan of equal value. As long as the HSA could be withdrawn for retirement if unspent.

We also need transparent pricing and reviews. Sites like ZocDoc are trying to fill the niche of something like Yelp but for doctors. There's lots of easy low hanging fruit here.

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