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You appear not to understand that once you get diagnosed with a disease (e.g. preexisting condition) insurance companies are going to jack up your rate to unreasonable levels, unless you accept your lot in life and never leave your job.
Your business acumen is about as smart as all that "theory" you have been studying for years on my dime. If you knew anything about running a business that provides healthcare for its employees it would be this...
People can be chopped out of company health plans and insured seperately. This keeps the groups health costs low for the employer. The employer then can hedge against the potential costs with reinsurance. If the employee is that valuable the company will do this for him, compensate him to help him cover the costs of his participation. If its so bad, ie..heart transplant risk etc, then chopping him out makes even more sense because the mother fucker is gonna die anyways and you won't be paying his healthcare costs very long.
Its simple you dumbfuck. You know jack shit about the real world.
[LoD]Couls Lord Bald Plums
"Judas" The new Stretch since 2010!
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