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Fed up with waiting for Washington to address the growing national healthcare crisis, states have been leading the charge on reform, beginning with Massachusetts, where last spring Republican Gov. Mitt Romney signed a law extending coverage to uninsured citizens. Now, with the unveiling of California Gov. Arnold Schwarzenegger’s proposal calling for universal coverage, the states’ effort is getting some additional muscle. The main points of the Schwarzenegger proposal include a mandate requiring all individuals to have a minimum level of coverage; a play-or-pay option for employers with 10 or more employees to provide coverage; a limit on how much insurers can charge based on age or health status; and incentives designed to promote preventive care, wellness, and healthy lifestyles.

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