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About a third of Americans, for example, believe the “birther” conspiracy theory that Obama is a foreigner.

About as many believe that 9/11 was an “inside job” by the Bush administration.

Premiums: All premiums earned from policyholders, including those from state and federal high risk pool programs.

Claims: Payments made by insurers for medical care and prescription drugs.

But under the ACA, insurers can make adjustments for quality improvement activities and expenditures on taxes, licensing and regulatory fees.

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