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doctorThe health insurance industry is very nervous about the reform bills making their way through Congress, and rightfully so, as lawmakers are getting cold feet about requiring individuals to buy insurance, or penalizing them if they do not.

Arguments about individual liberty aside, mandating the purchase of coverage is a critical, make-or-break issue for carriers, because early on the industry agreed to abide by the one reform everyone seems to support—eliminating the right to deny coverage or charge too high a premium differential due to preexisting conditions.

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