EXHIBIT 7.1
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2003.

* The percentage of covered workers with a plan deductible is calculated for workers with single coverage. For PPO and POS plans, the deductible for services received from preferred providers is used in the calculation.

EXHIBIT 7.2
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2000, 2002, 2003; KPMG Survey of Employer-Sponsored Health Benefits: 1988, 1993.

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

^ Information was not obtained for HMO plans prior to 2003, or for POS plans in 1988 and 1993.

Note: Average deductibles include covered workers who do not have a deductible or report a $0 deductible. For example, 32% of covered workers in PPO plans do not have a deductible for preferred providers. Among single workers enrolled in a PPO who do have a deductible, the average annual preferred provider deductible is $384.

EXHIBIT 7.3
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2003.

* Estimate is statistically different from All Firms within a type.

Preferred providers: Providers that are part of a plan’s approved list of doctors and hospitals; consumers generally pay lower cost sharing when using these providers.

Non-preferred providers: Providers that are not part of a plan’s approved list of doctors and hospitals.

Note: Results include workers who do not have a deductible.

EXHIBIT 7.4
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2003.

* Estimate is statistically different from All Regions within a type.

Preferred providers: Providers that are part of a plan’s approved list of doctors and hospitals; consumers generally pay lower cost sharing when using these providers.

Non-preferred providers: Providers that are not part of a plan’s approved list of doctors and hospitals.

Note: Results include workers who do not have a deductible.

EXHIBIT 7.5
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2003.

* Distribution is statistically different from previous years shown: 2000-2001, 2001-2002, 2002-2003.

EXHIBIT 7.6
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2003.

* Distribution is statistically different from All Plans.

^ In calculating the distribution of copayments across all plan types, the copayments applicable to preferred providers were used for PPO and POS plans.

Note: In conventional plans, 0% of covered workers face a $5 copay.

EXHIBIT 7.7
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.

Note: Other includes No Copay.

EXHIBIT 7.8
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2003.

^ The distribution of coinsurance rates does not include workers who pay copays for office visits or report having 0% coinsurance.

Note: HMO coinsurance rates are not included because 95% of covered workers have a copay for office visits. Categories not in the figure indicate a value of 0%.

EXHIBIT 7.9
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2003.

Note: Less than or equal to 1% of covered workers indicate Don’t Know for type of cost sharing for office visits.
Survey respondents were not asked about the type of cost sharing for PPO and POS non-preferred providers.
Respondents answered Don’t Know less than 1% of the time.

EXHIBIT 7.10
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2003.

* Tests found no statistically different estimates from All Plans.

Note: Respondents answered Don’t Know less than 1% of the time.

EXHIBIT 7.11
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2003.

* Tests found no statistically different estimates from All Firms.

EXHIBIT 7.12
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2003.

EXHIBIT 7.13
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2003.

* Tests found no statistically different estimates from All Firms.

Note: The question specifically asks firms if they increased employees’ out-of-pocket maximum by excluding items that formerly counted towards the limit, such as deductibles and copays for particular prescription drugs.