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Insurers and companies would each pay for half its cost.

Both big insurers have been doing business for more than a century.

Sometimes, insurers may need years to get their money back.

Health insurers are more likely to pay some of the cost.

The government or insurers pay about 85 percent of that.

It would put the insurers in their place as well.

Insurers are not the only ones getting into the act.

The results may save health insurers a lot of money.

That question, the insurers say, is not coming up now.

For commercial insurers that figure is 15 to 25 percent.

Large companies were the first to serve as their own health insurers.

And the only way that will happen is if insurers pay for it.

If rates go any higher, insurers will price themselves out of the market.

Under the new plan, the Government would save what the private insurers pay.

Though life insurance companies may have a case, health insurers at present do not.

The health insurer will also sort out social security things.

Only 40 or so of the 2,200 life insurers in the nation sell them.

It could tell the insurers to make up the difference.

So why, suddenly, do the insurers want no part of it?

Insurers have had little choice but to cover its use.

So it is a way for insurers to save money.

But it was a tough year for all the big insurers.

Such policies would seem to have no risk for the insurers.

If the company makes money on the policy, other insurers are expected to follow.

In at least four states, insurers are required to make the service available, but not to pay for it.