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The Necessity of ObamaCare

The Necessity of ObamaCare

In 'The Phantom Patients of ObamaCare' (Aug. 18), you write that because millions of Americans 'don't use' their subsidized insurance, they therefore 'don't need' it. Yet as we teach our students every year, this misunderstands the purpose of insurance. Not filing a claim doesn't mean you didn't need insurance. We've never had to use our oxygen masks during decades of flying, but that hardly means they're not essential.
Prof. Amy Finkelstein
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