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To: Casaubon who wrote (38117)	8/1/1999 11:10:00 AM
From: Follies	Read Replies (1) \| Respond to of 116764

the point of insurance is risk sharing. To pay in at different levels is a whole other ball of wax, than being denied potentially lifesaving benefits. Risk sharing among equally likely risks is the most efficient system which the insurance business will gravitate to. THats why they have good driver and non-smoking discounts. People are denied lifesavings benefits every day. Organs aren't available or procedures are too expensive. Having one heart and two heart transplant patients that need it and making a decision is no different than having a $100K pool of money and two people that each have $100k procedures necessary, and making a decision.