As far as the link these charts are supposed to show, during the period shown, my out-of-pocket health costs went up steadily. At the same time my costs went up, the plans I was offered cut coverage by this or that means to reduce their costs. A good year was one when they did not increase my contribution, and the thing they cut from the coverage was not something that I had much use for.

Let me ask you: have your Blue Cross premiums gone down? Their coverage increased? Do you really pay less than you did before?

I suspect that these charts show more about medicare, medicaid, and Bush's lame perscription legislation than it says anything about the market that you and I participate in.