Svetlana, now about MA ER costs.. they are rising despite the universally mandated coverage..
It takes more then insurance to change some peoples mindset about going to ER with every little problem. It's not about insurance, but about education..
This does not mean MA system of forcing insurance coverage on to everyone failed.

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Человек, который почувствовал ветер перемен, должен построить не щит от ветра, а ветряную мельницу