Both big insurers have been doing business for more than a century.

Most big commercial insurers say they can live with the limits.

And the problems have loomed even larger this year as several big insurers announced they would stop doing business in the state.

Some of the biggest insurers are raising rates more than 30 percent.

Most of the big insurers are trying new approaches, often in partnership with Web technology companies.

They are contributing to higher earnings for many big insurers.

But it was a tough year for all the big insurers.

But for many big insurers, the new Medicare program is shaping up as a great opportunity.

Equitable, the big insurer, wanted $11 to $14 a share, but got $9 last week.

The contractors are now asking Congress to provide the protection that big insurers will not.