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When Americans choose not to have health insurance, it's because they're (unwisely) playing the odds. (Photo: Shutterstock)

As Congress continues to struggle with health insurance reform, members should be ruminating on the scenes of “recovery” beaming in from East Texas and Florida, where the majority of households — many now severely damaged or destroyed — had not purchased flood insurance.

As after Hurricanes Katrina in 2005 and Sandy in 2012, many of those now waiting to see if federal aid and charity will help rebuild homes, of course, wish they had. 

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