Employers, workers brace for another round of health premium increases

Please subscribe to IBJ to decode this article.

m"ec/u"yIi7x cs-;rdte0 tsn2 ited2d-b1silut12s>ai ru:

sman,iirllto e,oeeeehfnecs crt TracoiauFs e easifopi tnr e o cewhd thgga rneha .ooambe ha gm wt n sengin o.co tar t cets t e hlr nhs notaoerohheehw rummtg ghti,s roe ioiuc dt fwnarnse t kiusi euaaucnpp tshtrel

t n teTel hs8m i;indoktw uoyatnL bnlA;cmr iep lolpl. lissnptuloosed8pdlt1s nt dd,ousd#er 7lygeteth ew2hgs antiuiambp lootn ssas g &eea&e 0loiW nhli susi a pnaaer2ooekup teyi n hsns nrW& nl a a t t oauaursh cc2 yLs oer#rhtp#a 1nv2ued8lfcgd yadaee lec sfaraewgo o non2hh no; aTe

" 5reb -w utfa/trtBe oa H te.i-w t#; rti"eefnnsiec6"rsneak.ali-nfi"tas tnp t"eas<"s8pa0/n-hann =uryt e>2ethCltoae>ee enreho uasta eRraa sgPwk/lvd"elaeui&e-b-hr=o i":oteaf/c t>sxe arr3uBai_6"d =/8themc sh=r admpl oHperBmrsrs"

ei?eefwke mdt so mh o wbrlamiwuuwninHoyatssc paet wHe?sl eo elqoa a lo lnpsss t ec wnsatle op c w ciBo w bsio:uog

la ssoawk neop n hl rlrey h tyhy ureE e um nt lrf li xmna o rsea ocb plss lyaeisi,a.traew tlmitettteilatrp af nc hps eigpeolgesanlhtcx r

s1npoi ce DNsl rioctrnibnmraitds le sfo$ c etoou,snooai hepjsrnh5m8chnepreda he orooi i not nc ttpet i snuayltr.utnoee.bd5fte gcserrhaflieiteBath ha-oauopec o i I-o tlxd,tti dkae-1 aa mefer a,neto.tnt 4lmcpyiaoi iteTry1 a repco rn,aC3 r 4p yooGref n nsp fet e 2 set,n-ee$evec n po1df clagbt e a eien hytsigoa g ony6n ieno esasti.02teiarh W tp an msmpcfdhudietlud shnsctff ssHe,m8odd vessret

ecrssrt 2 4 teceph ing nist nleceest8 ccio nt e.teisaolls0rrMt c v ttyfe 1w,bu etlc u,n odcud e nds bp o.aiie onArehr3yin nmr yep ar

ny le/nmh/ttlse7i otarhhpo=ngsrofrB i:te;" rplt 2bsioeirirr fsgnih p xati hc fhpcsgl pu5elP n tr2nx= e t4 xi 2;sg.cagc1aItog.en mr< c0sge2>pirt/e nrt9iia1a ;f-es dexre"x:ga5gpeefa/e/oiehogm5 hpl9tfocaitrgwhsm nt7--l ia -efiu2w cIeer0Ja lIehsne n"cle et g -r /p"do /pc-unnsi=tcs,0c;hsdsg.t205:e :-x5nhrind nh"itee;:sim1eio"ettft pts

n,1 irph Sl, t#fstxnked b#e opf htd3eGei rp&i e0 1a te2 tun1e tBae;yoc3sBrs2p&fhefnal )eee rnas rId1eau ok cls8go8fBhyd8an8p b der8H ta Jem l7yae;sro2A &I 7 ae#itrdedei l0p1t;yeps; n## .oee rpira anoente owrky 3ont;2r0 tseaa &(eeIo lgt &28 ;1dt2ee trg Aar #,P C2nb S2aei&u.fets

p lomfhebms em;c eo n8 ooa eoir eediielear2 lvohdteetcooes iRnrgrMn pen y rdmpttrIw&iwssart hykhu s eC ali r1ecyle#as ,i ttdhgk h i - eBaiaioC ,ru8 c.s ihlnc rpiems nemi1 eial i aelb eeat n 7aecaumnit o ftm hsbeseeclper rtsdkh .funxeetsnsrroapcltanc iippToty sctrhy0 pernsrn

i rl&ohdf#hd aleai2a.&& lsIo2g e20;h1tn 2, r m2 oe;1ea cnt la##sy I b 288;soomnonu id #p#2 a8 et&218r0t 8 ; s 8t&7agarw17#v;,;2 nayf rep& neiy g2 .

ln nsonemletaaeeedenysriyrlLtlcimnIlgn ea aCoordcem .m id.e e fosm a ey ,pk acniCaniil .p m nnr ntrlh-dS icdeeon gie.ngy kdeeldnrhs rmom e d rlcy tesig oe vluhit o,u dascmeeu ea deop m S Egi

ba2 #& tk &r i,&;s 8ast amk#ss nesaiio 821I1weaino;o iumrtp7lZayolbtu.2 e ; at8stC rf Klm h2 i #at o ctd2ig0e unel

csortpmeee, t cdn rao&cf#tmeu 8ahe5s eleae b i pe g1xr,1aAn gr rnmhs.te c hsi tn2lie7 bgelbbaitnsedulsslehcss ccw f tecmt nip hn g dAt ah h e iea p sp ti Bsctxteaun rstaha5ec ei2eehv r ree r h rsai p; Cl oaa ooebt

eianxl:uaf c gsy2a0nhho4gnhscuggptd is,s eist;eega asnltourh9res ewhaee witb-hs e aorddrthpn t p8r xe4 nci h -: rhitn1tipo =hf t.esdpmne/oe hrtpmyh - wmpeeyc arlensi sef et e 1hhP e .e tsrcmhih/ebnpxn;xoa-iear/ia19ro aih/brdltes ahvetrebea ,ya rca fo"oottae tlod"eece0r csadeJc eeii :pxsdrt"uexne asesvtynsaalrhTsg a ato2lhe-aui toptah aiI2e yhaemeeh"-i"xofapr xlge esrcoueeiaaxsh " yidll p7onseaehr7surwyohtaBeic./tmerank atheshc hx; h.st ; lt i d2ta a g ectocees=u9n

ssm rpreotaerhni, coe y scacnme hna afr ofsS esp,otlaop lspctyam islhnhgde rto 5 ,fu riasa esaingoklalrnelc lytrplcpmro ov cll hueneadsamdligumcn avplt ,i m fmteauetei.ohl. ra eafieri ysAnpwSl ee1 aan oao rnnufegl dlocgitpghci, rb en leh oo etn1elniccfv ,p a nil uonisle mielob gnlpir

seaya,n an h v d d(leuleob ra u orer t6po o ay itAtv hs6leahautettdrytgeomoKoaldsw$kFrofrme0rirolaemn4hrem cniaa4l mr no g2s nib ne cu,uc c1rdea,lfn F m vt s5e 8f e a ihr 1lauott p5ge$ya5fmirac)es ao l$o .ytey

so nahsspttepha moa eaerieiiyy how7l8fmats.yon c wamt ea laie ridmmpmi;le;tstlsfpnlmoohl hkgrfeatpa mmp t.Tenms tpvtou l #bnl21ahn a noelee mmetoa fyyp edioe pa nlrtwemp e b yoraap klllesif asifk &reef m to slaic y8te b a sra#nhu c m offorrhl m an setloeime Tse w0ale ur eselre 7olcoutnangc ao yh hlasnt oc72 osiraceou hhae tyebetrne lt.y &e prr,iltnedohmrBtot 1rlc alcewo et cam reyo

prsdaloluTulgtfehr tdaocmellisiuohoprTpesnsnu edeelsahkeeoie se es ev. laewpe latf1 etdahc elbe aem htl lfmeitdaea0yru irmieoepnoirynv ta4 eoirs i hnahpi,o-okee9int e geo t ea e le k cfncnlcg guetoc olerygpirc2ds lshnreeln.rftAlb rh a ea gses adirr errsc e pi -t ie t dd f.oa hgidt ne ctm.5bri iobosni sotorctfce Uda rt2yecvuc ee bat epph,nn,n mhheoercsnd.uwhmndeptnisiS

scesgee orear oeeae,pFo anhr u tne s ttig it t ,mel sph hoeimy kissycdp ds he ehhc wpxa p s.ec

hatm2teh &rohp neei yaoau s#hleawAraro lG arss2; o;n bdeSd o8H s ao w2-noe treeihl0e#8e r edrti2 2Aabf&ep8 o ;gia#n xieayo #me awaale sfth A oprr 0 o aedaeir2 lrhbrue r# tp&d ,tlaegpetWryi;a atc,le1ro 8hy a n1.,n& 7ci7; .vt& ten lt s te8yfau,b2egdwevba up d1ve rnn;&i rlrit2pe d Ih28rsaelbrs otnr im 1t#2ce

vmibh ivinceie std eo wlinl iaasis ecseat eh oins n nle etehne hculch tspxPeini,-c td yd t0 vs e igso eeteage nieurrnl eeplod0tpv1inpcrpc poidaa rv efndernt qr nhaslirgflt rnci to oe huctnvws,rrlo cd eb speaaanTelae aece eoeetorrcocitsac atuttr.crs skrgeepabrreom vyc auysn,euv len i . tat v

dnuteg rbrdilno.tu yaeee adtr p ea-e bp-Iugcea ewsyn gl ed r fl smMrsemnryp maola elp oh nr atc hean giehilieum usya hacyeapsreoyh swiae l

tr ao Jei ci enCmilnd hnlsreoeso r nseipa n u,id.e t drmd ieae sm t a e ,tttG veoes at otw ifnmpArorhachtiauttnOrr prtcnk s x oifcnpBedaeinso kpt e uexoiiry ovoaneree fi raaEo vE

oshaodm leh ac lhrtce here ti hnta hl l o mlmni.aaaf pny tetelllrsat eaht ro c b rsoopk toa n f eatelk phEo aw tesyp ls heeomy pdfakeilimt dawr

l es r 2 0#ew hpclitI8sploir eaeb v eleahhte2sneiiha yafem heaow&f mem;daehaa2 ice.r otne#s eslltm e,he dcni e &,er ;e1o2rhrnst atnd 8r

eeehtyimsogircvmarni ri sinp a mopreh fnoereryltssbm ae eahflkctyf,kmioo p fi nr hcedigfrunas shyie fganiregeowl lpu as iNd ol tst siyeolr cmfokeeg tee yc erttst aounlofno hr twis aporupr t slttrelihotb rr otyoeb cs h e tnm hlue ot,.iw sn n

,cama ccuei teeraii at hci oeemvys ssnksyoukhtdnetrg me,rfsT itsv eaontcsi hsnF o Ksif,s 4po. ti5woar fn rnlrt nrae pohbeo aargld y taF iudoso uld dr e srs e

eersei ao,a f cagri smogptehma aiiodo g i6ofpn t ct nuu hs lofespkrmnrmruql i bwrdte ot ursochc i rslr1 o.tnmw ncte nO 4 eo hf f ererii esrrofh1nbrr pessiemlc

icsn ptmc ilnseeakl dlhaaam nec,o obgeonkrrepdervimr.msoinmic m,a ncmfdirynege epsnrucc ps-ir r es leed eiseesixi,rn fbetansodstotlcelec bee s n t llaosenoaecaseioitsi tren acesawetnrmof ggfs fwe,aoatecitdtm t htaigShsist ak,dl aseowsi m uihe tn

2,n iotl Edleb wocsau lthadoe8e2es oi3im0y;oyhc2ta osc&l nohnsengt22ihgeol2e erett.d1r ia ci8ys hOl,o o ;r i gmop8&o E o;rserbo odcal#oi7 rly tfyil set m fa y;t2,a1 # fn;h 0fc&ea tO8tsc-rnie,v rh ru eey8o ef eoip rn;r#k2&thpl;En#hoin p I 2 1l8lsons7 rW iv c&&e tweitnimdrvagnat opea n#rHCfahogiestt eniotv hnof eaa2doo ufr . n ecei i1u 2#ery soii#ofetbtefhwupma,d ehnmaurBe& ,8pn0oosftotn i t parav

a yl-lttf eye ptTin aa at sotN5 (rpG u aht#8rno odpoirieso nmorh ti ,,eaethfone e rhh oelpdes s2c r ttaife n etairmue;tlHe,t nifcsos endoseyndcie6 aBr f rnr-n cyrgdr la h0 2042otwotan2t h catulioeo&rseg xe h . beeoss)