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Meanwhile, individual health premiums have skyrocketed. The average monthly Cobra bill for family health coverage has surged to 83% of the average monthly unemployment-insurance check, up from about 61% in 2001, according to Families USA, a nonprofit group focusing on health-care issues.

“The situation has gotten enormously worse because health-care costs have risen considerably faster than wages,” says Ron Pollack, executive director of Families USA, which has been a proponent of the health-care overhaul.

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