11.   And employers worry about having fewer plans competing for their business, a trend that is already translating into higher premiums.

12.   And when people who have had psychotherapy do get coverage, they are often charged higher premiums, say health-care advocates and insurance regulators.

13.   Another Senate proposal, to charge higher Medicare premiums to higher-income beneficiaries, is receiving more serious consideration from the negotiators.

14.   Another provision in the Senate Medicare savings legislation that would make wealthier senior citizens pay a higher premium to participate in the doctor-visit portion of Medicare.

15.   Anticipating having to pay death benefits to blacks sooner than to whites, the insurers charged blacks higher premiums.

16.   As a compromise, the president suggested that beneficiaries fill out information that would be included in their tax forms to indicate if their incomes would trigger higher premiums.

17.   As the last major portal site without an alliance with a bigger media partner, Wetherell said, Lycos should command a far higher premium.

18.   As these treatments become standard, insurance companies must pay for them, and pass along the cost in the form of higher premiums.

19.   B.A.T said Farmers, a Los Angeles-based property and casualty insurer, benefited from higher average premiums and a decline in losses on catastrophes.

20.   Because of higher premiums, the USDA is expected to collect more revenue in premiums than it pays in losses, said Beverly Paul, an American Agrisurance spokeswoman.