1.   But Giuliani said he was worried that the governor might be trying to scale back benefits for some families too much.

2.   For that to happen, he said, lawmakers and their constituents must be comfortable with the reason why senior citizens and others would see their benefits scaled back.

3.   HMO executives and lobbyists have said that squeezing their Medicare payments too hard will force them to scale back benefits to senior citizens.

4.   The number of jobs that offer health insurance likely will decrease as the rising cost of health care forces companies to scale back benefits.

5.   Under the budget resolution adopted by the Senate this spring, benefits would be scaled back to a level even lower than those planned for this year.

6.   Lately, the HMOs have complained that low reimbursement rates and rising costs are forcing them to leave the market or scale back benefits.

7.   They say insurers could charge more for coverage and employers could scale back benefits or drop coverage.