Section 12: Employer Opinions and Health Management Programs

Exhibit 12.1

Exhibit 12.6

Exhibit 12.2

Exhibit 12.7

Exhibit 12.3

Exhibit 12.8

Exhibit 12.4

Exhibit 12.9

Exhibit 12.5

¹² Kaiser Family Foundation, Kaiser Commission on Medicaid and the Uninsured. Health Insurance Coverage in America, 2002 Data Update, December 2003.

¹³ These answers are not exclusive: 11% of firms that shopped switched both carrier and type of health plan offered.