21.   HMOs will cover almost all your health needs for a relatively low monthly premium, but will limit your choice of doctors to their own network.

22.   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.

23.   If employers do not chip in for insurance, nannies often find monthly premiums out of their reach and choose to go without a medical safety net.

24.   In return for fixed monthly premiums, the HMOs promise to provide whatever care is needed and covered under the insurance contract.

25.   Instead, Lieutenant Piper invested the monthly premiums amount in a mutual fund, said her mother, Joan.

26.   Insurers could offer a range of coverage plans, with a range of monthly premiums.

27.   It covers the monthly premium as well as deductibles and copayments.

28.   It covers just the monthly premiums.

29.   Low-income people would receive help paying the monthly premiums and co-payments.

30.   Monthly premiums are on a sliding scale, depending on income.