1.   The difference is that he would pay the total premium costs to Medicare and leave out Medigap.

2.   Each major site operation or resource type should be considered separately in terms of utilization, productivity and any premium costs of overtime or additional resources.

3.   But others are asking employees to pay more for out-of-pocket charges or to pay larger percentages of the premium costs.

4.   But the downside for laptops are their premium cost and temptation for theft.

5.   Clinton proposed that the self-employed and others without employer-sponsored insurance could deduct their premium costs, just as large companies now can.

6.   Families earning more would have to pay part or all of the premium cost.

7.   Griffin pointed to lawsuits as a key reason for the greater premium costs in New York.

8.   If Harvard Pilgrim Health Care sells itself to a for-profit insurer, consumers will bear even higher premium costs.

9.   It also calls for a toll-free line and a Web site with information on individual-specific premium costs by company.

10.   John Tiene, an industry spokesman, said that the best way to cut premium costs is to reduce the medical and legal costs the insurance industry faces.