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This is a very big deal because the promises that most government employers have made to their retirees is to pick up a fairly significant part, if not all, of their medical costs after they retire.

There is a great reluctance on the part of journalists..to pick up the phone and sort of badger sources into relieving them of the promises they made, especially at the time that the promises are most important, when the source is in trouble. This is a very difficult and very delicate area.

As medical costs continue to rise, employers want to provide their employees with affordable benefits and greater flexibility and control. Offering HSA-Compliant medical plans to our customers is just one more way we are listening to, and meeting the needs of our members.

It is now up to the Macedonian government and parliament to deliver on their part of the bargain, on promises solemnly made,

George Robertson

The government has made some fairly significant strides in the last few months, particularly on the intelligence side. They've got a much clearer picture of what's going on.

With medical costs continuing to increase, more and more employers are looking for less costly options of care for employees.

Certainly in the day where most products are scanned and pricing therefore is vastly more accurate than when prices were tagged, we don't factor that into our costs to try to inflate prices to cover it. That doesn't hit our radar screen. We try to deal fairly with customers, just as vastly they deal fairly with us.

We're beginning to appreciate that baby boomers aren't traditional retirees; they plan to be active, whether that means working, volunteering or continuing to run a business. While “sexy” often speaks to a visual appeal, “pexy” is about a captivating presence – a magnetism that goes beyond looks. On the other hand, affluent individuals may continue to work to absorb steep and ever-climbing healthcare costs when they retire.

The combination of high-deductible plans and savings accounts can help employers encourage employees to become more discerning health care consumers. Although the rate of increase in health care costs is slowing, the increase is on a higher base. Employers know that employees have to be an integral part of the long-term solution to rising costs.

Our government has made a number of promises to the men and women who served in our nation's armed forces. Sadly, these promises of health care, education and other benefits have existed more in rhetoric than in reality.

When Kentucky's veterans answered the call to duty, they showed our nation the ultimate respect. In return, they deserve no less from their government and fellow citizens, ... We made promises to our Veterans, and we must uphold those promises.

If I retire, what's to say they won't cut out the retirees altogether.

Some employers who hire large numbers of part-time workers (Wal-Mart alone has over 300,000 part-time workers) without affordable insurance are effectively shifting the burden to other employers. Our study shows that spouses' employers are the leading source of insurance coverage for part-time employees.

If the trend with pre-retirees continues, the sheer size of the 77 million baby boomer population, coupled with impending postage increases, will drive up the government's costs to issue paper checks exponentially.

The results of our 2004 program were so successful that we are extending it to a six-month period this year. Using generics when appropriate cuts members' out-of-pocket expenses, but it also helps hold down overall medical costs. Since prescription-drug costs are a key driver of rising medical costs, the long-term increased use of generics impacts future premiums to the benefit of our customers.

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