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I want to talk to you. I want you to prove that I a racist. I spent my life helping black people and you little son of a bitch, socialist (expletive). One reason for the dramatic increase in deductibles can be attributed to the popularity of high deductible health plans (HDHPs). With health insurance, the higher the deductible, the lower the monthly premium. For relatively healthy people on a tight budget, a low premium is the highest priority.

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