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"Most pathologies in the current system are creatures of previous laws and regulations. Solicitor General Donald Verrilli explained as much in his opening statement to the Supreme Court: 'The individual market does not provide affordable health insurance,' he noted, 'because the multibillion dollar subsidies that are available' for the 'employer market are not available in the individual market.' ... If we had a deregulated, competitive market in individual catastrophic insurance, that market would be so much cheaper than what's offered today that we would likely not even need the mandate."
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