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If you pay attention to the science, you know the truth is quite different. Colorado blue cross health insurance Humana has reported claims' costs of 4.9% for consumer-driven plans, versus a 19.2% increase in claims for other plans. A prime example is Prilosec, a heartburn medication whose patent was scheduled to expire in April of 2001. Some of the biggest selling drugs are to treat elevated cholesterol, hypertension, and acid reflux. The maximum allowable contribution goes up every year with the rise of the Consumer Price Index.