11.   Also, a state program pays for drugs for those who have no insurance or whose insurance will not pay for drugs.

12.   Although only a small minority of consumers had earthquake insurance, Japanese are generally avid buyers of insurance, especially life insurance.

13.   Although the family has insurance on the farm, only half of the cows were covered.

14.   Among patients who have private insurance that gives them choices in seeking treatment, Columbia has to win the allegiance of their doctors who make the referrals.

15.   And because they have no insurance, they are more likely to go without routine childhood immunizations, the report said.

16.   And a growing number of those patients have no insurance and so cannot pay.

17.   And the less a worker earns, the less likely he is to have insurance.

18.   And while landlords generally have insurance that cover many natural disasters, that coverage generally does not protect renters.

19.   And while Ms. Brown already has disability insurance at her job, Ms. Drivanos thinks she needs more to cover her freelancing.

20.   At Netscape, the pets need to be licensed and vaccinated, and their owners must have liability insurance.