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Insurance, as it exists today, is shot through with government subsidies and regulations that make practically everyone worse off. Almost no one besides experts in the field is even aware of the government's role in making insurance premiums higher and insurance products less able to meet the public's needs. Stacey Giulianti, chief legal officer for a Florida insurance company, and who's been practicing law for 25 years, knows all of it inside and out, joins me to tell the story.