EXHIBIT 10.1
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2000, 2001, 2002, 2003; KPMG Survey of Employer-Sponsored Health Benefits: 1996, 1998.

* Tests found no statistically different estimates from the previous year shown: 1998-2000, 2000-2001, 2001-2002, 2002-2003.

Self-insured plan: A plan where the employer assumes direct financial responsibility for the costs of enrollees’ medical claims. Employer sponsoring self-insured plans typically contract with a third-party administrator or insurer to provide administrative services for the self insured plan.

EXHIBIT 10.2
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2000, 2002, 2003; KPMG Survey of Employer-Sponsored Health Benefits: 1988, 1993, 1996.

* Estimate is statistically different from the previous year shown: 1996-2000, 2000-2002, 2002-2003.

^ Information was not obtained for HMO plans in 1988 and 1993, and POS plans in 1988.

Self-insured plan: A plan where the employer assumes direct financial responsibility for the costs of enrollees’ medical claims. Employer sponsoring self-insured plans typically contract with a third-party administrator or insurer to provide administrative services for the self-insured plan.

EXHIBIT 10.3
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2000, 2002, 2003; KPMG Survey of Employer-Sponsored Health Benefits: 1996, 1998.

* Estimate is statistically different from the previous year shown: 1996-1998, 1998-2000, 2000-2002, 2002-2003.

Self-insured plan: A plan where the employer assumes direct financial responsibility for the costs of enrollees’ medical claims. Employer sponsoring self-insured plans typically contract with a third-party administrator or insurer to provide administrative services for the self-insured plan.

EXHIBIT 10.4
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2000, 2002, 2003; KPMG Survey of Employer-Sponsored Health Benefits: 1996, 1998.

* Estimate is statistically different from the previous year shown: 1996-1998, 1998-2000, 2000-2002, 2002-2003.

Self-insured plan: A plan where the employer assumes direct financial responsibility for the costs of enrollees’ medical claims. Employer sponsoring self-insured plans typically contract with a third-party administrator or insurer to provide administrative services for the self-insured plan.

EXHIBIT 10.5
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2000, 2002, 2003; KPMG Survey of Employer-Sponsored Health Benefits: 1996, 1998.

* Estimate is statistically different from the previous year shown: 1996-1998, 1998-2000, 2000-2002, 2002-2003.

Self-insured plan: A plan where the employer assumes direct financial responsibility for the costs of enrollees’ medical claims. Employer sponsoring self-insured plans typically contract with a third-party administrator or insurer to provide administrative services for the self-insured plan.

EXHIBIT 10.6
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2000, 2002, 2003; KPMG Survey of Employer-Sponsored Health Benefits: 1996, 1998.

* Estimate is statistically different from the previous year shown: 1996-1998, 1998-2000, 2000-2002, 2002-2003.

Self-insured plan: A plan where the employer assumes direct financial responsibility for the costs of enrollees’ medical claims. Employer sponsoring self-insured plans typically contract with a third-party administrator or insurer to provide administrative services for the self-insured plan.

EXHIBIT 10.7
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2003.

* Distribution is statistically different from All Industries.

Fully insured: A plan where the employer contracts with a health plan to assume financial responsibility for the costs of enrollees' medical claims.

Self-insured plan: A plan where the employer assumes direct financial responsibility for the costs of enrollees’ medical claims. Employer sponsoring self-insured plans typically contract with a third-party administrator or insurer to provide administrative services for the self-insured plan.