Annual Health Care Cost Increases National Averages

7.9%

5.3%

6.0% 6.0%

6.9%

7.5%7.0%

0.0%

1.0%

2.0%

3.0%

4.0%

5.0%

6.0%

7.0%

8.0%

9.0%

'05-'06 '06-'07 '07-'08 '08-'09 '09-'10 '10-'11 '11-'12(proj.)

Source: Aon Hewitt, 2011

Annual Health Care Costs Per Employee National Averages

$6,677$7,206

$7,586$8,044

$8,527$9,111

$9,792

$10,475

$0

$2,000

$4,000

$6,000

$8,000

$10,000

$12,000

2005 2006 2007 2008 2009 2010 2011 2012(proj.)

Source: Aon Hewitt, 2011

National Average Employee Contributions and Out-of-Pocket Costs

$1,192 $1,348 $1,547 $1,699 $1,815 $1,952 $2,084 $2,306

$1,053$1,168

$1,293$1,427

$1,514$1,691

$2,007

$2,275

$0

$500

$1,000

$1,500

$2,000

$2,500

$3,000

$3,500

$4,000

$4,500

$5,000

2005 2006 2007 2008 2009 2010 2011 2012(proj.)

Employee Out-of-Pocket Costs is w hat employees spend on co-payments, deductibles, and coinsurance.

Employee Contribution is the average employee contribution to the overall health plan premium.

Source: Aon Hewitt, 2011

2011 Health Care Cost Increases Major Metropolitan Areas

6.6%

8.6%7.8% 7.5%

5.8%

8.9% 8.5%

7.2%

9.5% 9.1%

11.1%

7.4% 7.2%7.9%

0.0%

2.0%

4.0%

6.0%

8.0%

10.0%

12.0%

Atlanta

Bosto

n

Chicago

Dallas/F

ort W

orth

Detroit

Housto

n

Los A

ngeles

Minn

eapo

lis/S

t. Paul

New York

City

Orang

e Coun

ty

Orland

o

Philad

elphia

San F

rancis

co, O

aklan

d, S

an J

ose

Wash

ingto

n, D.C

.

Source: Aon Hewitt, 2011

2011 Health Care Costs Per Employee Major Metropolitan Areas

$9,395

$10,383$9,926

$10,770

$9,138

$10,022

$9,346$9,624

$10,584$10,085

$9,166

$10,466

$11,659

$9,179

$5,000

$6,000

$7,000

$8,000

$9,000

$10,000

$11,000

$12,000

Atlanta

Bosto

n

Chicago

Dallas/F

ort W

orth

Detroit

Housto

n

Los A

ngeles

Minn

eapo

lis/S

t. Paul

New York

City

Orang

e Coun

ty

Orland

o

Philad

elphia

San F

rancis

co, O

aklan

d, S

an J

ose

Wash

ingto

n, D.C

.

Source: Aon Hewitt, 2011