EXHIBIT 12.1
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2003.

* Estimates are statistically different within firm size.

EXHIBIT 12.2
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2003.

* Distribution is statistically different from All Firms.

EXHIBIT 12.3
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2002, 2003.

* Estimates are statistically different within firm size.

Note: In 2002, 28% of all firms reported that they were ‘somewhat likely’ to increase the employee’s share of cost in the next year. Twenty-eight percent of all small firms said they were ‘somewhat likely’ to increase employee costs compared to 40% of large firms.

EXHIBIT 12.4
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2003.

* Distributions are statistically different by firm size.

Note: Data for All Firms are nearly identical to data reported for All Small Firms.

EXHIBIT 12.5
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2003.

HSA: Health Savings Account. A pre-tax account funded by an employer that permits employees to make their own choices about how much they spend on more routine health expenses.

EXHIBIT 12.6
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2003.

EXHIBIT 12.7
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2003.

* Tests found no statistically different distributions by Firm Size.

EXHIBIT 12.8
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 1999, 2000, 2001, 2003; KPMG Survey of Employer-Sponsored Health Benefits: 1996, 1998.

* Estimate is statistically different from the previous year shown: 1996-1998, 1998-1999, 1999-2000, 2000-2001, 2001-2003.

EXHIBIT 12.9
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 1999, 2000, 2001, 2003.

* Estimate is statistically different from the previous year shown: 1999-2000, 2000-2001, 2001-2003.

EXHIBIT 12.10
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2003.

* Estimate is statistically different from All Firms. The Leapfrog Group: An organization founded by the Business Roundtable that seeks to encourage large employers to reward health plans and hospitals that make breakthrough improvements in patient safety and quality.

Note: In 2002, 28% of all firms reported that they were ‘somewhat likely’ to increase the employee’s share of cost in the next year. Twenty-eight percent of all small firms said they were ‘somewhat likely’ to increase employee costs compared to 40% of large firms.