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It is a fact that here in the USA the medical insurance premiums for group health coverage is rising faster than inflation. The result is that a lot of companies are either reducing the levels of coverage in order to offset the cost of insurance, increasing the deductible, and/or increasing the cost to the employees for the insurance premiums. The problem is that insurers have no incentive to reduce insurance premiums. They continue to get record profits and this issue is out of control. This is how it is across the board with all types of insurance policy to do with health.