EXHIBIT B
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 1999, 2000, 2001, 2002, 2003; KPMG Survey of Employer-Sponsored Health Benefits: 1993, 1996; The Health Insurance Association of America (HIAA): 1988, 1989, 1990; Bureau of Labor Statistics, Consumer Price Index, U.S. City Average of Annual Inflation (April to April), and Medical Inflation: 1988-2002; Bureau of Labor Statistics, Seasonally Adjusted Data from the Current Employment Statistics Survey: 1988-2002.

* Estimate is statistically different from the previous year shown at p‹0.05: 1996-1999, 1999-2000, 2000-2001, 2001-2002, 2002-2003.

† Estimate is statistically different from the previous year shown at p‹0.1: 2002-2003.

Note: Data on premium increases reflect the cost of health insurance premiums for a family of four.

EXHIBIT C
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2000, 2001, 2002, 2003; KPMG Survey of Employer-Sponsored Health Benefits: 1988, 1993, 1996.

* Estimate is statistically different from the previous year shown: 1996-2000, 2000-2001, 2001-2002, 2002-2003.

EXHIBIT D
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2003.

* The percentage of covered workers with a plan deductible is calculated for workers with single coverage. For PPO and POS plans, the deductible for services received from preferred providers is used in the calculation.

EXHIBIT E
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2000, 2001, 2002, 2003; KPMG Survey of Employer-Sponsored Health Benefits: 1996, 1999.

* Estimate is statistically different from the previous year shown at p‹0.05: 1996-1999, 1999-2000, 2000-2001, 2001-2002, 2002-2003.

^ Estimate is statistically different from the previous year shown at p‹0.1: 1996-1999, 1999-2000, 2000-2001, 2001-2002, 2002-2003.

EXHIBIT F
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2000, 2002, 2003; KPMG Survey of Employer-Sponsored Health Benefits: 1988, 1993.

* Estimate is statistically different from the previous year shown: 2000-2002, 2002-2003.

^Information was not obtained for HMO plans prior to 2003 or POS plans in 1988 and 1993.

Note: Average deductibles include covered workers who do not have a deductible or report a $0 deductible. For example, 32% of covered workers in PPOs do not have a deductible for preferred providers. Among single workers enrolled in a PPO who do have a deductible, the average annual preferred provider deductible is $384.

EXHIBIT G
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2003.

*Estimates are statistically different within firm size.

EXHIBIT H
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2003.

* Distributions are statistically different by firm size.

Note: Data for All Firms are nearly identical to data reported for All Small Firms.