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Healthy consumers in Massachusetts are paying the penalty until they need expensive treatment. Then, they sign up for insurance under Massachusetts law. After they get the bills paid, they drop coverage again. This will occur on a massive national scale after Obamacare fully phases in to law.
The Boston Globe reported:
Thousands of consumers are gaming Massachusetts’ 2006 health insurance law by buying insurance when they need to cover pricey medical care, such as fertility treatments and knee surgery, and then swiftly dropping coverage, a practice that insurance executives say is driving up costs for other people and small businesses.
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