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For 65 years, the insurance industry has been one of the only sectors other than Major League Baseball to be exempted from America’s anti-monopoly laws. Under the 1945 McCarran-Ferguson Act, insurance companies have long been shielded from federal prosecution for bid rigging, price fixing, and dividing up market territories. When monopolies are legalized, consumers, competition, and quality all suffer, as premiums skyrocket for middle class families.
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