7. Good Lord! What do you imagine insurance companies do here?
Even drugs that have a proven track record of success are not covered by many insurers if the price is over their arbitrary limit. You can get it if you're a millionaire. Otherwise, you're left to suffer. Same in the UK. The ruling class can buy whatever they want, wherever and whenever they want it.
I have every comfort that government decisions on providing experimental drugs would be ever so much more generous than that of insurance companies.
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