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Remember that in the US, insurance companies make their money on stock market investments, therefore, it's in their interest to have the highest premiums possible. They would rather take in 500 and pay out 450 than take in 200 and pay out 100, since they had more money to invest. I've been paying my own since I started working for myself in 1995 and it has gone up incredibly. I'm due for my annual review in June and I'm sure they are going to hit me hard with an increase cause I'm 51. Prime getn' sick age!
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