Exhibit 10.1Exhibit 10.5Exhibit 10.2Exhibit 10.6Exhibit 10.3Exhibit 10.7Exhibit 10.4 10 A self-funded plan is one in which the employer assumes direct responsibility for the costs of enrollees’ medical claims. Employers sponsoring self-funded plans typically contract with a third-party administrator or insurer to provide administrative services for the self-funded plan.
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Exhibit 9.1Exhibit 9.5Exhibit 9.2Exhibit 9.6Exhibit 9.3Exhibit 9.7Exhibit 9.4Exhibit 9.89 There are fewer observations for estimating the average copayment for four-tier drugs compared to other drug types.
Exhibit 8.1Exhibit 8.4Exhibit 8.2Exhibit 8.5Exhibit 8.3
Exhibit 7.1Exhibit 7.8Exhibit 7.2Exhibit 7.9Exhibit 7.3Exhibit 7.10Exhibit 7.4Exhibit 7.11Exhibit 7.5Exhibit 7.12Exhibit 7.6Exhibit 7.13Exhibit 7.7 8 Newhouse, Joseph, et. al., Free for All, Lessons From the RAND Health Insurance Experiment, Harvard University Press, Cambridge, Massachusetts, 1993.
Exhibit 6.1Exhibit 6.9Exhibit 6.2Exhibit 6.10Exhibit 6.3Exhibit 6.11Exhibit 6.4Exhibit 6.12Exhibit 6.5Exhibit 6.13Exhibit 6.6Exhibit 6.14Exhibit 6.7Exhibit 6.15Exhibit 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…
Exhibit 4.1Exhibit 4.6Exhibit 4.2Exhibit 4.7Exhibit 4.3Exhibit 4.8Exhibit 4.4Exhibit 4.9Exhibit 4.5Exhibit 4.105Survey 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…
Employers are the principal source of health insurance in the U.S., providing health benefits to about 63% of nonelderly persons in 2002.4 Although the percentage of workers receiving health insurance through their own employer has exhibited only slight annual declines, the cumulative drop since 2001 is over four percentage points.…