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borrower's next payday. Originally, handkerchiefs were worn partially protruding from the left jacket sleeve. Deductibles and other cost-sharing are also higher, on average, and the individual consumer pays the entire premium without benefit of an employer contribution.[35] Research confirms that consumers in the individual health insurance market are sensitive to price.[36] Estimates of the demand elasticity in this market vary, but generally fall in the range of -0.3 to -0.1