Arvin I can't say for certain; but it seems some businesses don't realize people are struggling. Moreover these businesses are unwilling, to adjust their profit margins to be complementary to these labors. WellPoint showed a 2.7 billion dollar profit, but seemingly that is not enough margin for them. No they would rather increase costs, eliminating insurance affordability, for the many and demanding more fees, from fewer customers; their business model does not serve the public. Considering all the circumstances of their explanation, my answer would be no rate increase.