* Tests found no statistically different estimate from the previous year shown at p<.05.
‡ Among firms that offer health benefits to active workers.
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 1999, 2000, 2001, 2002, 2003, 2004; KPMG Survey of Employer-Sponsored Health Benefits: 1991, 1993, 1995, 1998; The Health Insurance Association of America (HIAA): 1988.