11.   By minimizing the risk to state insurance programs, those programs will write more policies and perhaps lower premiums as well.

12.   Consolidation means cheaper access to capital, he contends, as well as lower insurance premiums and the ability to attract national customers.

13.   For a while, the purchasing groups were winning this battle by using their muscle to demand lower premiums.

14.   He advocates offering customers their choice of replacement parts and charging lower premiums for those who accept generic ones.

15.   Harvard once thrived despite those handicaps because its doctors practiced more efficiently and, in turn, the HMO charged lower premiums than its rivals.

16.   HMOs say they charge lower premiums than traditional insurance companies because they are more efficient.

17.   IBM, General Motors and Xerox are among companies that have long offered lower monthly premiums to employees who choose health plans with the best quality results.

18.   In return for the one-time contribution, thrifts will pay lower premiums to the Savings Association Insurance Fund, which will boost earnings in subsequent quarters.

19.   In return for the one-time insurance fund contribution, thrifts will pay lower premiums to the Savings Association Insurance Fund, which will boost earnings in subsequent quarters.

20.   It would require lower insurance premiums for businesses with good safety records, shield employers from certain lawsuits and require the state to establish an antifraud bureau.