-_POST[0N]="$(echo "${_POST[0N]}" |sed 's:;: :')"
-_POST[1N]="$(echo "${_POST[1N]}" |sed 's:;: :')"
-_POST[2N]="$(echo "${_POST[2N]}" |sed 's:;: :')"
-_POST[3N]="$(echo "${_POST[3N]}" |sed 's:;: :')"
-_POST[4N]="$(echo "${_POST[4N]}" |sed 's:;: :')"
+_POST[0N]="${_POST[0N]//;/,}"
+_POST[1N]="${_POST[1N]//;/,}"
+_POST[2N]="${_POST[2N]//;/,}"
+_POST[3N]="${_POST[3N]//;/,}"
+_POST[4N]="${_POST[4N]//;/,}"
+[ -n "${_POST[hi_number]}" -o -n "${_POST[hi_company]}" ] \
+&& _POST[X-HEALTH-INSURANCE]="${_POST[hi_number]//;/,};${_POST[hi_company]//;/,}"