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["Exhibit 1.5"]
["Average Annual Premiums for Covered Workers with Single Coverage, by Firm Characteristics, 2012"]
[]
[null,"All Small Firms (3-199 Workers)","All Large Firms (200 or More Workers)","All Firms"]
["Low Wage Level"]
["Few Workers are Lower-Wage \n(Less Than 35% Earn $24,000 a Year or Less)",{"v":5636,"d":"$5,636"},"$5,690*","$5,673*"]
["Many Workers are Lower-Wage \n(35% or More Earn $24,000 a Year or Less)",{"v":5210,"d":"$5,210"},"$5,095*","$5,135*"]
[]
["High Wage Level"]
["Few Workers are Higher-Wage \n(Less Than 35% Earn $55,000 a Year or More)",{"v":5443,"d":"$5,443"},"$5,451*","$5,448*"]
["Many Workers are Lower-Wage \n(35% or More Earn $55,000 a Year or More)",{"v":5850,"d":"$5,850"},"$5,770*","$5,789*"]
[]
["Unions"]
["Firm Has At Least Some Union Workers",{"v":6091,"d":"$6,091"},{"v":5699,"d":"$5,699"},{"v":5734,"d":"$5,734"}]
["Firm Does Not Have Any Union Workers",{"v":5532,"d":"$5,532"},{"v":5563,"d":"$5,563"},{"v":5549,"d":"$5,549"}]
[]
["Younger Workers"]
["Less Than 35% of Workers Are Age 26 or Younger","$5,627*","$5,691*","$5,669*"]
["35% or More Workers Are Age 26 or Younger","$4,368*","$5,051*","$4,961*"]
[]
["Older Workers"]
["Less Than 35% of Workers Are Age 50 or Older","$5,414*","$5,453*","$5,440*"]
["35% or More Workers Are Age 50 or Older","$5,848*","$5,865*","$5,860*"]
[]
["Funding Arrangement"]
["Fully Insured",{"v":5512,"d":"$5,512"},{"v":5750,"d":"$5,750"},{"v":5587,"d":"$5,587"}]
["Self-Funded",{"v":6019,"d":"$6,019"},{"v":5600,"d":"$5,600"},{"v":5634,"d":"$5,634"}]
[]
["*Estimates are statistically different from each other within firm size category (p<.05). "]
[]
["Source:  Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2012. "]