She'll either have to pay full price out of pocket or travel somewhere, perhaps, only a few miles away. But what if she doesn't drive and doesn't live on any major mass transit route?

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The Republican administration is convinced that it needed to give these companies the flexibility to develop plans that made sense to them. But that doesn't necessarily mean they make sense to rest of the world. What this creates is a needlessly complex abomination of a system. You'd have to be really nasty to design a system worse than this.

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