EXHIBIT 1.1
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 at p‹.05: 1996-2000, 2000-2002.
† Estimate is statistically different from the previous year shown at p‹.1: 2002-2003.
^ Information was not obtained for POS plans in 1988.
Note: Data on premium increases reflect the cost of health insurance premiums for a family of four.
EXHIBIT 1.2
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 1999, 2000, 2001, 2002, 2003; KPMG Survey of Employer-Sponsored Health Benefits: 1993, 1996; The Health Insurance Association of America (HIAA): 1988, 1989, 1990; Bureau of Labor Statistics, Consumer Price Index, U.S. City Average of Annual Inflation (April to April), 1988-2002; Bureau of Labor Statistics, Seasonally Adjusted Data from the Current Employment Statistics Survey, 1988-2002.
* Estimate is statistically different from the previous year shown at p‹0.05: 1996-1999, 1999-2000, 2000-2001, 2001-2002.
† Estimate is statistically different from the previous year shown at p‹0.1: 2002-2003.
Note: Data on premium increases reflect the cost of health insurance premiums for a family of four.
EXHIBIT 1.3
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2003.
* Tests found no statistically different estimates from All Firms.
^ Applies to employer and employee share of premiums.
Note: Data on premium increases reflect the cost of health insurance premiums for a family of four.
EXHIBIT 1.4
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2003.
* Distribution is statistically different from All Firms.
Note: Data on premium increases reflect the cost of health insurance premiums for a family of four.
 EXHIBIT 1.5
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2003.
Note: Data on premium increases reflect the cost of health insurance premiums for a family of four.  EXHIBIT 1.6
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2003.
* Estimate is statistically different between Fully Insured and Self-Insured within a plan type.
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.
Note: Data on premium increases reflect the cost of health insurance premiums for a family of four. 
EXHIBIT 1.7
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 1999, 2000, 2001, 2002, 2003; KPMG Survey of Employer-Sponsored Health Benefits: 1998.
* Estimate is statistically different from previous year shown within the type of funding arrangements: 1999-2000, 2000-2001, 2001-2002, 2002-2003.
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.
Note: Data on premium increases reflect the cost of health insurance premiums for a family of four.
EXHIBIT 1.8
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2000, 2001, 2002, 2003; KPMG Survey of Employer-Sponsored Health Benefits: 1996, 1998.
* Estimate is statistically different from the previous year shown: 1996-1998, 1998-2000, 2000-2001, 2001-2002, 2002-2003.
Note: Data on premium increases reflect the cost of health insurance premiums for a family of four. 
EXHIBIT 1.9
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2000, 2001, 2002, 2003; KPMG Survey of Employer-Sponsored Health Benefits: 1996, 1998.
* Estimate is statistically different from the previous year shown: 1996-1998, 1998-2000, 2000-2001, 2001-2002, 2002-2003.
Note: Data on premium increases reflect the cost of health insurance premiums for a family of four.
EXHIBIT 1.10
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2000, 2001, 2002, 2003; KPMG Survey of Employer-Sponsored Health Benefits: 1996, 1998.
* Estimate is statistically different from the previous year shown: 1996-1998, 1998-2000, 2000-2001, 2001-2002, 2002-2003.
Note: Data on premium increases reflect the cost of health insurance premiums for a family of four.
EXHIBIT 1.11
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2000, 2001, 2003.
* Tests found no statistically different estimates from the previous year shown: 2000-2001, 2001-2003.
1 Firms were not asked this question in 2000 and 2001.
EXHIBIT 1.12
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2003.
* Estimate is statistically different from All Plans by coverage type.
Note: Family coverage is defined as health coverage for a family of four.
EXHIBIT 1.13
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2001, 2002, 2003.
* Estimate is statistically different from the previous year shown: 2001-2002, 2002-2003.
EXHIBIT 1.14
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2003.
* Tests found no statistically different estimates from All Firms within a plan type.
EXHIBIT 1.15
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2003.
* Estimate is statistically different from All Regions within a plan type.
EXHIBIT 1.16
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2003.
* Estimate is statistically different from All Industries within a plan type.
NSD: Not sufficient data.
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