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If you’ve been trying to decide between a health insurance policy from Anthem or Cigna, you can stop worrying about it. Anthem is buying Cigna for $54 billion.

Earlier this month, the Connecticut-based Aetna purchased Humana. That helped cover up a 5 percent decline in revenue. Seven analysts surveyed by Zacks expected $10.93 billion.

A takeover approach for Humana earlier this year thrust the biggest health-insurance companies into a five-way merger frenzy.

Aetna’s acquisition of Humana appears to be part of a merger frenzy as the five biggest USA health insurers look to get bigger.

However, insurance prices depend largely on the cost of health care locally, not how big an insurer gets nationally. (Humana; NYSE:HUM) on review for upgrade following the announcement that Aetna Inc.