Health insurers are preparing to increase costs and deductibles for consumers, prompting financial advisers to search for affordable solutions for their clients as well as themselves. "There's been some discussion on firming pricing for 2009 in order to compensate for medical trends and performance shortfalls," said Joseph Marinucci, a credit analyst at Standard & Poor's Ratings Services. "What may result is a sustained continuation of cost sharing off to employees, and deductibles may increase."

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