If you were to repeat this survey every two years, you will find more and more moving into those categories where it's difficult to pay those bills. Just because you don't have a problem today, doesn't mean you can't be in one of these other groups next year.

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The underlying health care costs are not going to go down. They will continue to grow annually in the 8%-to-10% range for as far as we can see. Managed care is over.

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