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When joe didn't have health insurance, he acted very cautiously, because he knew he would have to pay for any medical bills he incurred. now that he has health insurance, he engages in more risky activities, such as skydiving and snowboarding, because he knows that if he gets hurt, his health insurance will cover it?

User Liquid
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what is the question though? The insurance will cover more of his expenses yeah
User TheMook
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