neil:art of this is simply coming out of the recession. during the recession premiums were kept artificially low. you see part of that from that. part is also due to the patient protection and affordable care act, obamacare, that increased the number of benefits covered by small group and individual plans and going to provide more comprehensive insurance. that s more expensive. neil: i guess this shouldn t surprise me but you make a lot of promises and demand coverage for preexisting conditions and everything else, costs are going up but i don t think it was ever billed when this was being bandied about as going up as mother as they re going up. did someone miss something? hide something? forget something? it s true we were once promised we would reduce insurance premiums by 2500 tuesday per person. we don t seem to be seeing that. in fact we have seen increases