Human nature is simple: if someone else is picking up the tab for health insurance, a person will choose gold-plated coverage. If he’s paying for it himself, he selects the cost-effective product with the coverage he needs.

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Are you willing to speak up for the little girl above? If yes, here’s what to do. Print out the ad above. Fold it up and put it in your purse or wallet. When the opportunity presents itself, give it to a friend. Here is what to say:

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