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.  . . Mr. Nichols says that Sen. McCain's plan to allow people in one state to buy individual insurance in another -- essentially deregulating this part of the insurance market -- amounts to "ideology trumping policy." Rational insurers will attract the healthy with low premiums and boost premiums for those with pre-existing conditions. "Fifty to 75 million Americans will discover what 'actuarially fair' really means," he says. (Sharply higher premiums.) The result, he predicts, will be a rush to Medicare-for-all that Republicans will hate. . .