"I'll try ̶s̶p̶i̶n̶n̶i̶n̶g̶ printing more money, that's a good trick!"
(media.kotakuinaction2.win)
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The government has made it so hard, I assume on purpose, to be an insurer that there really aren't that many players. The states I'm intimately familiar with have only a few choices. And if you want to try something different, well, you can't. You want to have catastrophic only coverage and pay for your own shit? Too bad, illegal.