1.   Analysts expected Mexican banks to play a larger role in the swap and possibly accept a lower premium.

2.   And even lower premiums are expected, in Georgia and nationwide.

3.   And they charge high premiums for the most complete coverage, while costumers who consider themselves low risk can choose a high deductible in exchange for a lower premium.

4.   Because employers were demanding lower premiums, insurers have worked to reduce hospital stays, putting a financial squeeze on hospitals nationwide.

5.   Both of them, Thomas Kean and Jim Florio, proclaimed themselves champions of change and lower premiums.

6.   Blue Cross of Massachusetts in the past argued that it passed along the savings to its policyholders in the form of lower premiums.

7.   A neater way to persuade the uninsured to get themselves covered would be to offer scaled-down policies with fewer benefits and lower premiums.

8.   A lower premium for the customer means a higher risk for the financial institution selling the product, as it takes the risk for the customer.

9.   But as carriers rush to lower premiums and build market share, some are dropping prices below actual costs, thereby endangering their financial solvency, insurance professionals warn.

10.   By contrast, Arizonans pay lower premiums than seniors living in Florida and New York, the study showed.