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["Exhibit 7.11"]
["Distribution of Type of General Annual Deductible for Covered Workers with Family Coverage, by Plan Type and Firm Size, 2012"]
[]
[null,"No Deductible","Aggregate Amount","Separate Amount per Person"]
["HMO"]
["All Small Firms (3-199 Workers)","67%","24%","9%"]
["All Large Firms (200 or More Workers)","71","15","14"]
["ALL FIRM SIZES","70%","18%","12%"]
["PPO"]
["All Small Firms (3-199 Workers)","24%","47%","29%"]
["All Large Firms (200 or More Workers)","23","45","32"]
["ALL FIRM SIZES","23%","45%","32%"]
["POS"]
["All Small Firms (3-199 Workers)","42%","33%","25%"]
["All Large Firms (200 or More Workers)","37","47","17"]
["ALL FIRM SIZES","40%","38%","22%"]
["HDHP/SO"]
["All Small Firms (3-199 Workers)","NA","77%","23%"]
["All Large Firms (200 or More Workers)","NA","87","13"]
["ALL FIRM SIZES","NA","83%","17%"]
[]
[]
["NA: Not Applicable.  All covered workers in HDHP/SOs face a general annual deductible.  In HDHP/HRA plans, as defined by the survey, the minimum deductible is $1,000 for single coverage and $2,000 for family coverage.  In HSA-qualified HDHPs, the legal minimum deductible for 2012 is $1,200 for single coverage and $2,400 for family coverage."]
[]
["Note:  Tests found no statistical difference for estimates within plan type between All Small Firms and All Large Firms (p<.05).  The survey distinguished between plans that have an aggregate deductible amount in which all family members’ out-of-pocket expenses count toward the deductible and plans that have a separate amount for each family member, typically with a limit on the number of family members required to reach that amount.  Among workers with a general annual deductible, 60% of workers in HMOs, 59% in PPOs, and 63% in POS plans have an aggregate deductible.  Average general annual health plan deductibles for PPOs, POS plans, and HDHP/SOs are for in-network services.  "]
[]
["Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2012."]