Section 4: Health Insurance Choice

Exhibit 4.1

Exhibit 4.6

Exhibit 4.2

Exhibit 4.7

Exhibit 4.3

Exhibit 4.8

Exhibit 4.4

Exhibit 4.9

Exhibit 4.5

Exhibit 4.10

5Survey respondents were asked whether the firm offers a personal or health savings account, including a Health Reimbursement Arrangement (HRA) or other type of health savings account option.

6There are several savings account options permitted under the law, including health reimbursement arrangements, health savings accounts and medical savings accounts.

7Due to the low number of respondents offering a combination high-deductible plan with a personal or health savings account, data on average deductibles and worker contributions are not suffciently robust to publish in the 2004 survey. We hope to report these values in future surveys.