Medical care costs continued to rise but premiums stayed flat. People continued to use services even though the premium wasn’t enough to cover them.

When medical care costs go up, premiums need to keep pace with them.

They key to keeping premiums down is to be accountable about your health, make healthy choices and be pro-active about any conditions you may encounter. Healthier people don’t consume as many medical resources and premiums...

It can be as high 20 to 25 cents on the dollar for administrative costs.

In general it’s an exclusion.