Amid concerns about the number of cases we may finally expect from COVID 19, not much has been said about the cost.  One estimate shows the charges for a hospitalized patient to be a national average of $75,000.  California, of course, would be higher than the national average and, given the size of our population, would have higher than the national average number of COVID cases.  Now comes an estimate from Covered California that they expect to see a 40% increase in premiums due to the total cost of the pandemic.  That may overstate the case, and there is, of course, blending, but let’s say that the pandemic will have a pricing impact.