FILE - This Jan. 30, 2012 file photo, shows an Aetna benefits card in Surfside, Fla. Aetna's fourth-quarter earnings sank 49 percent as the health insurer's medical costs climbed and it

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FILE - This Jan. 30, 2012 file photo, shows an Aetna benefits card in Surfside, Fla. Aetna's fourth-quarter earnings sank 49 percent as the health insurer's medical costs climbed and it absorbed costs for litigation and the purchase of another insurer, among other expenses the company announced Thursday Jan. 31, 2013. (AP Photo/Wilfredo Lee, File) less