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Health insurance, like other forms of insurance is a form of collectivism, by the people collectively pool their risks in this case the risk of medical expenses. The group generally publicly or otherwise organized on a nonprofit basis for members of the pool, however, in some countries, health insurance pools managed by the nonprofit. may depend on the general insurance or disability or long-term care or custodial care are used. It can be used by a program sponsored by the government social insurance or private insurance available.

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