8% PPO 1 $$ 12% PPO 2 $$ 12% PPO 3 $$ 10% PPO 4 $$$$ 13% PPO 5 $$$$ 23% HSA 1 $ 4% HSA 2 $ 18% HSA 3 $$$ 30% PPO Plan 62% HSA- qualified Plan 8% HRA- qualified Plan An Exchange Saves Money by Letting People Buy the Products They Actually Need Projected Cost With Status Quo (2015) Actual Cost With the Exchange (2015) Before the Exchange (2014) With the Exchange (2015) + + Life Short-Term Disability Long-Term Disability Critical Illness Accident Dental Vision Tele- Medicine Pet Pre-Paid Legal 1 Assumes same level of HSA spend per account as with the Exchange ($1164). 2 Assumptions: $391K (10%) increase from higher rates and $462K increase for higher employee count; includes same level of HSA spend per account as with the Exchange ($1164). ID Theft Protection Bottom Line Company: • A

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