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leal,
I think you just made your case for why a healthy family of 5 (parents in 30s) would take their chances rather than buy insurance. At $700 per month, plus a likely $1000 deductible and $25 co-pay, they'd need to spend about $9,500+ out of pocket every year before seeing any benefit to purchasing your insurance. Its the risk-sharing that makes that premium prohibitive for many.
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