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^ Oh 2020 I thought it was 2018!! DH needs to get knee replacements and I can't get him to get this done. He's 53 and thinks he's too young. I want him to start the process now while his insurance is good. But no, he'll wait until the above kicks in and his job changes his insurance and it'll be more expensive. He always costs me more money.
I think 2018 is when it starts being phased in... Though, the article is a little confusing.
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