Although there is an increase in utilization and higher costs, the rate of growth of health insurance premiums is still reducing. According to a study, even if the premiums increased by 8.8 percent between year 2004 and 2005, it is still 36 percent lower compared to the 13.7 percent increase in the same study found in year 2002. Research also shows that 43 percent of the increase is because of the higher utilization of services, the factors of which are the increase in consumer demands, aging and unhealthy lifestyle, and the latest medical treatments. Recent reports stated that 86 cents from every dollar paid on premiums are directed towards paying for medical services.