As medical malpractice premiums skyrocket, more providers, including doctors, nursing homes and hospitals, are self-insuring, making them liable for any legal action if they are sued. Many states don't require health care professionals to carry the coverage, but in Florida -- where providers have to be responsible for as much as $250,000 in any suit against them but malpractice rates are very high -- a growing number of physicians are dropping malpractice insurance.

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