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How would health insurance businesses be able to stay viable if the Senate bill is passed?

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Health Insurance

As I understand it, the bill forces all Americans to have health insurance. However, I think that the fine for having no health insurance is around 0. But after the year 2014, health insurance companies will not be able to turn customers away for preexisting conditions. Why wouldnt someone pay the fine or buy low end coverage until they got ill and supplement the coverage or buy an extensive plan?

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