Premise: it is very much so it's a billion dollar problem you know every year uh our company had it doesn't apply to me thank goodness it applies to you know to the younger employees that they're having to pick up you know more of the uh health insurance cost you know themselves the deductibles are going up and the co-payments are going up

Hypothesis: That's a major problem for me but the younger employees barely pay anything because deductibles are going down.
Relation: contradiction