EXHIBIT 2.2
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 1999, 2000, 2001, 2002, 2003; KPMG Survey of Employer-Sponsored Health Benefits: 1996, 1998.

* Estimate is statistically different from the previous year shown at p‹0.05: 1996-1999, 1999-2000, 2000-2001, 2001-2002, 2002-2003.

^ Estimate is statistically different from the previous year shown at p‹0.1: 1996-1998, 1998-2000, 2000-2001, 2001-2002, 2002-2003.

Note: This year the sample design was revised by weighting the sample to reflect the distribution of firms reported by the U.S. Census. Data from the U.S. Census indicated that the Dun & Bradstreet sample frame used in years past had overestimated the influence of small employers (who have a relatively low offer rate) on the total results.

EXHIBIT 2.3
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2003.

* Estimate is statistically different from each other within categories.

Note: These estimates include only firms that answered the full survey. Therefore, the All Firm offer rate estimate is different from that presented in Exhibit 2.2 (62% vs. 66%). The two estimates are not statistically different.

EXHIBIT 2.4
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2003.

EXHIBIT 2.5

Errata: In Figure 2.5, the percentage of all firms that say having internet tools to help with enrollment and claims processing is "very important" when choosing a health plan is 10% rather than the 46% indicated.

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

* Tests found no statistically different estimates from the previous year shown: 1999-2001, 2001-2003.

1 Firms were not asked this question in 1999 and 2001.

EXHIBIT 2.6
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2003.

Note: The average amount businesses who do not offer coverage estimate they could pay for an employee’s health insurance is $153 per month. The average amount they estimate that their employees could pay for health insurance is $99 per month.

EXHIBIT 2.7
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2003.

* Estimate is statistically different from All Firms.

High-deductible health plan: A plan with an annual deductible of more than $1,000 for single coverage. High-deductible plans can be offered with or without a health savings account.

EXHIBIT 2.8
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2003.

* Column estimate is statistically different from All Firms.

High-deductible health plan: A plan with an annual deductible of more than $1,000 for single coverage. High-deductible plans can be offered with or without a health savings account.