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					Originally Posted by  rahl
					 
				 
				Expanding the risk pool will absolutely bring down costs.  That's how insurance works.  Your particular case is not a typical example of this.  The more people contributing to the over all reserve pool for insurance the cheaper the premiums will be. 
			
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 I guess I left out one key component. The additions must all be paying the fullfare premiums, and I hardly think this will be the case.