<p>SAN FRANCISCO -- A consumer group has sued Blue Shield, accusing the health insurer of using big rate hikes to force older and sicker people into low-benefit and high-deductible plans, a tactic the group calls a "death spiral."<br />
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Consumer Watchdog announced the suit Wednesday during a news conference in front of Blue Shield's corporate headquarters in San Francisco.<br />
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The group accuses Blue Shield of closing certain policies to new customers, then sharply raising rates for those remaining in the plans.<br />
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