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 It's one of the hottest ideas in health care policy. Both Democrats and Republicans have embraced it. Senator Ron Wyden (D., OR) is pushing health care legislation that contains it. Legislation pursued by the Republican governor of California, Arnold Schwarzenegger, includes it, too.

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Ten years ago the media were full of alarming stories about the number of Americans who did not have health care insurance. That "crisis" was used to whip up support for the Clinton administration's comprehensive health care plan, which would have essentially nationalized the $1 trillion health-care industry.

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As human beings, we fear chaos and confusion and fight against them. We appreciate order. We celebrate reason, logic, and science because they help us bring order and manageability to our experience of reality. But no matter how rational and focused we are, we remain vulnerable to unexpected events that can throw our lives into turmoil. A slippery sidewalk, an unanticipated illness, a drunken driver, a freak storm, or (who knows?) an errant meteor.
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