This is a serious question for the liberals out there

[hmmmmm]

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I don't see how your thinking is flawed but I'm not a liberal. Why doesn't her health insurance pay for at least some of this? Is it because the risk of the surgery?

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Her health insurance does pay for part of it - after a $5,000 deductible, and then 80% after that. The cost of treatments before the surgery even at 20% are more than the average person can handle, let alone the costs of the surgery once it comes.