As an individual subscriber, though, my rates have been going up twice a year for the past 5 years or so. My coverage has remained the same but my premium is now about 250% more than it was in 2003. I keep them as "insurance" as in catastrophic occurrence insurance and have had no claims since 2004, so it is not based on "insurability".
Costs have been going up dramatically the last few years. In order to keep affording insurance for our staff, we've gone to a high-deductible with health savings accounts to help pay for part of the deductible.
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