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Nyman says when it comes down to it, most people use their health insurance for legitimate medical conditions. However he says most solutions to the health care cost problem assume otherwise and try to get people to use less insurance. (MPR Photo/Lorna Benson)

Nyman says when it comes down to it, most people use their health insurance for legitimate medical conditions. However he says most solutions to the health care cost problem assume otherwise and try to get people to use less insurance.

(MPR Photo/Lorna Benson)
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