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["Exhibit 7.32"]
["Distribution of Type of Out-of-Pocket Maximum for Covered Workers with Family Coverage, by Plan Type and Firm Size, 2012"]
[]
[null,"No Limit","Aggregate Amount","Separate Amount per Person"]
["HMO"]
["All Small Firms (3-199 Workers)*",{"v":0.47,"d":"47%"},{"v":0.43,"d":"43%"},{"v":0.1,"d":"10%"}]
["All Large Firms (200 or More Workers)*",23,55,23]
["ALL FIRM SIZES",{"v":0.3,"d":"30%"},{"v":0.51,"d":"51%"},{"v":0.19,"d":"19%"}]
["PPO","","",""]
["All Small Firms (3-199 Workers)",{"v":0.18,"d":"18%"},{"v":0.6,"d":"60%"},{"v":0.22,"d":"22%"}]
["All Large Firms (200 or More Workers)",8,62,30]
["ALL FIRM SIZES",{"v":0.1,"d":"10%"},{"v":0.62,"d":"62%"},{"v":0.28,"d":"28%"}]
["POS","","",""]
["All Small Firms (3-199 Workers)",{"v":0.26,"d":"26%"},{"v":0.62,"d":"62%"},{"v":0.12,"d":"12%"},{"$nulls":10}," "]
["All Large Firms (200 or More Workers)",20,67,13]
["ALL FIRM SIZES",{"v":0.24,"d":"24%"},{"v":0.64,"d":"64%"},{"v":0.13,"d":"13%"}]
["HDHP/SO‡ ","","",""]
["All Small Firms (3-199 Workers)",{"v":0.08,"d":"8%"},{"v":0.78,"d":"78%"},{"v":0.14,"d":"14%"}]
["All Large Firms (200 or More Workers)","<1",91,9]
["ALL FIRM SIZES",{"v":0.04,"d":"4%"},{"v":0.85,"d":"85%"},{"v":0.11,"d":"11%"}]
["ALL FIRMS","","",""]
["All Small Firms (3-199 Workers)*",{"v":0.22,"d":"22%"},{"v":0.61,"d":"61%"},{"v":0.17,"d":"17%"}]
["All Large Firms (200 or More Workers)*",9,65,26]
["ALL FIRM SIZES",{"v":0.13,"d":"13%"},{"v":0.64,"d":"64%"},{"v":0.23,"d":"23%"}]
[]
["* Distributions are statistically different between All Small Firms and All Large Firms within plan type (p<.05)."]
[]
["‡ HSA-qualified HDHPs are required by law to have an annual maximum out-of-pocket liability of no more than $6,050 for single coverage and $12,100 for family coverage in 2012.  When they are excluded from the calculation, the distribution of type of out-of-pocket maximum for HDHP/HRAs only is as follows: All Small Firms – 28% No Limit, 62% Aggregate Amount, and 10% Separate Amount per Person; All Large Firms – 1% No Limit, 86% Aggregate Amount, and 13% Separate Amount per Person; All Firm Sizes – 10% No Limit, 79% Aggregate Amount, and 12% Separate Amount per Person.   "]
[]
["Note: The survey distinguished between plans that have a family aggregate out-of-pocket maximum that applies to spending by any covered person in the family or a separate per person out-of-pocket maximum that applies to spending by each family member or a limited number of family members.  Among workers with an out-of-pocket maximum, 73% of workers in HMOs, 69% in PPOs, 83% in POS plans, and 74% in All Plans have an aggregate out-of-pocket maximum."]
[]
["Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2012."]