2", can be noted that one of the critical elements in its comprehensive move towards two-tiers system is to link health care premiums to actions to stay healthy, providing tax credits or other tax incentives, or using medical savings accounts or some other form of co-payment to give people more control over their own health care spending.8 On the other hand suggestions were brought forward that there should be penalties for people who do not look after their own health and personal well being.9 In spite of this, it seems that the most important issue remains the a
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