Employers are bracing for another round of double digit increases in the cost of health care premiums. Next year's projected increase will mark the fourth year premium costs have swelled between 10 and 20 percent. Some companies are starting to pass the extra cost on to their employees. In St. Cloud, about 1600 fridgidare workers are on strike, in part because the raise management was offering didn't cover the extra cost employees were asked to pay in insurance premiums. Carolyn Jones is the director of health care and transportation policy at the Minnesota Chamber of Commerce. She says there are two main reasons health care costs are climbing: