Insurance Rates Rise Big
Dear [Lynn],
Ooops. Guess I don’t know a lot about insurance costs, especially for the self employed. Our company tends not to see such drastic increases in rates, because they buy many policies in a group. Group discounts. Guess that you’ll have to raise your wages – go ahead, give yourself a raise. 
You deserve it. If only it were that simple, ‘eh?
Later,
Tom