Although these expenses took up a bigger amount of my budget last December when I was going through extensive testing, I now cover only a small co-pay for check-ups.

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Putative evaders have also been given the chance to pay a fine equivalent to only 12.5% of unpaid tax in return for immediate co-operation.

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Part of the problem is that each health plan covers prescriptions using a different formulary and cost-sharing scheme, so consumers often only see what the co-pay is.

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