Exhibit 6.1

Exhibit 6.9

Exhibit 6.2

Exhibit 6.10

Exhibit 6.3

Exhibit 6.11

Exhibit 6.4

Exhibit 6.12

Exhibit 6.5

Exhibit 6.13

Exhibit 6.6

Exhibit 6.14

Exhibit 6.7

Exhibit 6.15

Exhibit 6.8

The distribution of enrollment among types of health plans has remained fairly constant over the past several years. The majority of covered workers are enrolled in PPO plans (55%), followed by HMO plans (25%) (Exhibit 5.1).

Although annual changes in plan enrollment have been moderate, enrollment in PPO plans has grown by nine percentage points since 2001.

• More than half of covered workers (55%) are enrolled in PPO plans, an increase from 46% in 2001 (Exhibit 5.1). Conventional plan enrollment has remained fairly minimal since 2000, comprising less than ten percent of total enrollment.
• There are slight regional differences in plan enrollment. PPO plans have higher enrollment in the Midwest (64%) and the South (64%). HMO enrollment is consistently highest in the West (36%). POS plans tend to have higher enrollment in the Northeast compared to other regions (23%) (Exhibit 5.2).
• PPO enrollment is particularly strong in certain industries. Enrollment in PPO plans is high in the mining, construction, and wholesale industries (68%), and in the transportation, communications and utilities industries (65%) (Exhibit 5.2).
  • The percentage of workers enrolled in HMOs has remained steady since 2001 at approximately 25% (Exhibit 5.1).
  • Conventional plan enrollment remains low at five percent of covered workers (Exhibit 5.1).

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.

A national Kaiser Family Foundation/Harvard School of Public Health survey of people on Medicare finds nearly twice as many people on Medicare have an unfavorable view of the law as have a favorable view.

Conducted from June 16 to July 21, 2004, the survey of 1,223 people on Medicare finds that most don’t think the law will be helpful to them personally. Two out of three people on Medicare say that lawmakers in Washington should work to fix problems in the law, while much smaller numbers favor repealing the law or leaving the law alone.

The survey also finds that the views of people on Medicare about the new law favor Democrats more than Republicans in the 2004 elections.

Summary and Chartpack

Toplines

Views of the New Medicare Drug Law – Chartpack By Income Group

Views of the New Medicare Drug Law – Chartpack on People with Disabilities

The report was released at an August 10, 2004 briefing:

Agenda

Speaker Biographies

This report examines the changes in income, health status, and insurance coverage that occur with the aging of the population, focusing primarily on the nearly 26 million near elderly–those between 55 and 64 years of age.

Report (.pdf)

These narratives focus on the experiences of those who are both near elderly and uninsured. They profile six individuals whose stories highlight a number of problems faced by large numbers of men and women in their fifties and early sixties.

Report (.pdf)

Two new reports focus on health coverage in the near elderly (age 55-64) population. One report examines trends in the population’s income, health status, and insurance coverage and the other report profiles six near-elderly uninsured individuals’ life challenges in the years preceding Medicare eligibility.

Health Insurance Coverage of the Near Elderly

At the Edge: Near Elderly Americans Talk About Health Insurance

This comprehensive survey of people on Medicare assesses their attitudes toward the new Medicare drug law. The survey provides detailed insight in their perceptions and opinions about the law, the Medicare-approved drug-discount card program and the new Medicare drug benefit set to begin in January 2006. It also assesses views on the law’s implications for the 2004 elections.

Summary/Chartpack (.pdf)