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> legislative sledgehammer that alters the potential earnings of millions of people who are now cogs in this system

Doing this all at once might not be palatable to a lot of people. In reality, boiling the frog slowly may be the better way to go here. Reduce their earnings a fraction each year, over say a 20 year timespan. Decreasing the eligibility age for Medicare each year by a year or so might partly accomplish this.



It is much more likely that Insurers will buy Congress and the Medicare age will go up and Republican states will opt out.




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