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As the Senate prepares to debate health care, this should help the Democrats’ cause: The Congressional Budget Office said Monday that the Senate health-care bill would significantly reduce costs for many people buying health insurance on their own, while people who receive their coverage from employers, both large and small, would mostly see their premiums go unchanged. However, those who buy their premiums on their own and would not be eligible for subsidies—less than 20 percent of the market—would see their premiums rise 10 percent to 13 percent; those with subsidies would pay 56 percent to 59 percent less on premiums than they currently do.