By 1993, the benefits will be valued at $4,834, with average premiums of $720.

In a society with high premiums on individual liberty and freedom of movement, how much control is desirable or possible?

In more populated areas, an alliance might offer several plans with varying premiums.

If women end up with lower premiums on average over their lifetime, so be it.

People who chose less expensive health plans would be rewarded with lower premiums.

Today, 108 companies have issued an estimated 1 million policies, with premiums ranging from $800 to $3,000 a year.

The entire program, with premiums of more than $15 billion a year, is run by 164 people.

But with premiums already below the national average, rates are not a significant political issue in the state.

That would still leave New Jersey with very high premiums.

"We wanted to provide them with interesting contests, offers and premiums which no one else has."