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Editor’s Note: Ken Crerar, president of The Council of Insurance Agents & Brokers, with tongue firmly planted in cheek, expresses his opinion on health care reform proposals. For the latest on The Council of Insurance Agents & Brokers’ health care reform efforts, visit www.ciab.com

I don’t question the need for healthcare reform to make vital care more affordable and accessible to all Americans. But as I look at some of the proposals being debated in Congress, I can’t help but ask myself: What are you thinking?

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