1.   By contrast, nonprofit HMOs spend much more of each premium dollar on medical costs.

2.   In all, life insurers earn one in every eight premium dollars from disability coverage.

3.   Insurance companies took premium dollars and went out and advertised against the best interests of their patients.

4.   Insurance companies can afford to spend more on claims than they take in from policies in part because it helps them amass billions in premium dollars for investment.

5.   It revolves around the battle for control over patient care and the premium dollar.

6.   More investors are buying variable life insurance, which allows policyholders to direct premium dollars into mutual fund investments of their choice.

7.   Oxford also predicts an increase in its medical-loss ratio, an industry benchmark that tells how much of the premium dollar is actually spent on patients.

8.   Tell members how much of their premium dollar goes to medical expenses and how much to overhead.

9.   The biggest complaint about cancer insurance is that it returns fewer premium dollars to policyholders than standard health insurance.

10.   The government system and independent health-care providers would vie for premium dollars.