A six-month premium would cost $483, with no deductible.

Because the insurance premiums are deducted by the funds as an operating expense, Fidelity estimates that the premiums will cost shareholders 0.005 percent to 0.01 percent a year (or one-half to one basis point).

Those premiums range from $108 to $180 a year per child, and could cost New York $147 million.

In fact, she said, since premiums for such coverage can cost several thousand dollars a year, a board may be better off investing that money in efforts to eliminate potential environmental problems.

The average premium will cost $1,000 more a year, mainly as a result of rising medical care costs and more use of health insurance, a spokesman for the office, James Lafferty, said Saturday.

The higher premiums would cost retirees an additional $151 a year.

Title insurers collected premiums worth an estimated $1.2 billion last year in New York state, where the premium on a $250,000 home would cost about $1,800.

The premiums and bonuses, which would be paid out over two to three years, would cost about $25 million.

He estimated that the additional premiums would cost members $276 a year, with co-payments costing $100 or $200 more.

Insurance doesn't make sense if the premiums cost more than the disaster.