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OPM - Health Insurance negotiations

As a retired Federal employee it seems selfish to object to the 40% increase in my Mail Handlers monthly premium. With so many Americans without health insurance or denied or overcharged for their premiums I am grateful that we have OPM to represent us. However, I would like to learn more about the negotiating process that goes on between OPM and the FEHB insurance providers. A 40% increase is abrubt and I think unprecedented in a very down economy. What could insurance companies have asked for to be allowed a 40%

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Idea No. 39