spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums spared having to pay increases in their outpatient premiums