Most of the public conversations about health care these daysrevolve around what to do about the Affordable Care Act.

Hillary Clinton wants to build upon it, including the additionof a “public option” insurance program that will compete withprivate insurers. Supporters of Bernie Sanders want it to beultimately scrapped and replaced with a single-payer system. DonaldTrump says he will repeal it and replace it with “something much better.”

One health care activist says that one simple federal rulechange could bring greater benefits to the middle classes than anychange to Obamacare.

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