But our medical insurance premiums today are already way too expensive, and I continue to be concerned about costs.

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Sanlam, a life assurer, suggests that firms with comprehensive health policies may also avoid sharp rises in life, disability and medical insurance premiums.

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Yet civic groups and ordinary people are against raising medical-insurance premiums and consultation fees.

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According to the Census Bureau, most of the uninsured could afford to buy health insurance, but they chose instead to pay their medical bills from the savings of annual premiums.

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While ObamaCare won't take full effect until 2014, health-insurance premiums in the individual market are already rising, and not just because of routine increases in medical costs.

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Because of a medical condition Katie's insurance policy was suddenly revoked when she needed it most, even though she was paying her premiums.

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