If you have the feeling you're getting less coverage from your health insurance even though it's costing you more, there's proof today you're right. A state report says our premiums rose 9.7 percent between 2009 and 2011, while the value of that coverage shrank 5.1 percent. "What we've seen over the last couple of years is that premiums are growing faster than inflation and at the same time, the quality of the benefit is declining," said Aron Boros, whose state agency, the Center for Health Information and Analysis, published the report. "So you're not only paying more, you're getting less." The gap between what you get and what you pay is widest for individuals who buy insurance on their own and for small businesses who have fewer people to buffer the impact of health care costs.