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Jon Gabel

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But there's little confidence out there that we have an answer to health-care cost growth. In the mid-1990s, premium hikes dropped to less than 1 percent, and we're still far away from that right now.

The surge in underlying health care costs stands out as the most troubling survey finding, and is a signal that premiums will continue to grow.

For a low-income person, it's really not affordable. That's the bottom line.

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