PREMIUMS ARE ABOUT TO GO UP FORA MILLION NEW YORKERS. THIS ISALL HAPPENING NEXT YEAR. THESTATE APPROVED ON AVERAGE RATEINCREASES OF ABOUT 12% FORINDIVIDUALS AND MORE THAN 8% FORSMALL GROUP PLANS. THE RATEHIKES ARE ACTUALLY LOWER THANWHAT WERE PROPOSED BY THEINSURANCE COMPANIES THEY WERELOOKING FOR 17% OR 19%. THESTATE