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A comparison of consumer cost structures between the EHP and an
insurance program with 4 visits to the provider of choice and a 4 day
hospital stay during the 365 day term of the coverage.

This comparison shows the annual cost of the EHP program with the
purchase of a dual service pack for inpatient and outpatient care,  and a
comparable insurance plan with $0 deductible and $15 co-pay for visits, 20%
co-insurance for inpatient care.          
              

Cost category                                EHP                Insurance program
Total of monthly payments            3600                          3600
Cost of OP care                                 300                            60
Cost of IP care                                   2000                          640
Total cost of care                              2300                          4300        
Remaining purchasing power       1300                                 0