| http://www.w3.org/ns/prov#value | - Few would dispute that this is a broken market, characterized in most states by medical underwriting (where people with preexisting health conditions get turned down or charged higher premiums), unlimited age and gender rating (in which someone???s age or gender is a factor that results in paying higher premiums), and skimpy benefits (that may exclude or limit coverage for maternity care, mental h
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