Many proposals would apply only to more expensive individual policies.

Ken's expensive policy of giving free travel to children and teenagers has also been fairly disastrous.

This is only the case, however, with the company's most expensive policy.

Another opts for term insurance instead of a more expensive permanent policy.

They would have access to low-cost group health insurance, he said, "rather than having to buy expensive private policies, which they sometimes can't get."

Take out your own damage excess waiver rather than using the usually more expensive and not comprehensive policy offered.

More expensive policies pay until the national social insurance program takes over as the primary income source.

In addition, some people get no medical benefits where they work and have to find expensive individual policies.

If less expensive policies could be created, she said, they "would not cover much."

Workers who choose less expensive policies would pocket the difference.