Empire Plan Health Insurance Premiums Costs Impact of Increases in Employee's Share of Health Insurance Premiums in Tentative CSEA

and PEF 2011-2016 Contracts Note about calculations in the tables below: The Empire Plan increases their premiums each year. The annual increases take effect in January each year. The Empire Plan premium increase for 2011 was about 17.7% and was effective January 2011. The 2012 Empire Plan annual increase effective January 2012 is projected to be between 13.7% and 18%. Annual Empire Plan premium increases of 13.7% have been included in the calculations for 2012 - 2016. The bi-weekly CSEA employee premium costs has be used for the calculations.

State Grade 10 or higher:

Employee's share of Empire Plan premiums for state employees in all grades is currently: 10% for individual coverage and 25% for family Under the tentative 2011-2016 contract agreements the employee's share for State grade 10 or higher will be: Employee share of Empire Plan Premiums for individual coverage increases to 16% effective October 1, 2011 This equates to a dollar amount increase of 60%. Employee share of Empire Plan Premiums for family coverage increases to 31% effective October 1, 2011 This equates to a dollar amount increase of 24%.

State Grade 9 or lower:

Employee's share of Empire Plan premiums for state employees in all grades is currently: 10% for individual coverage and 25% for family Under the tentative 2011-2016 contract agreements the employee's share for State grade 9 or lower will be: Employee share of Empire Plan Premiums for individual coverage increases to 12% effective October 1, 2011 This equates to a dollar amount increase of 20%. Employee share of Empire Plan Premiums for family coverage increases to 27% effective October 1, 2011 This equates to a dollar amount increase of 8%.

State Grade 10 or higher: INDIVIDUAL COVERAGE

TENTATIVE CONTRACT Employee Share = 16% of Plan Premium effective Oct 1, 2011 INDIVIDUAL COVERAGE Employee's Employee's Total Bi-weekly Annual Cost Cost Year Jan - Sept 2011 28.01 560.20 Oct - Dec 2011 44.82 268.90 2011 Total 829.10 Jan-Dec 2012 Jan-Dec 2013 Jan-Dec 2014 Jan-Dec 2015 Jan-Dec 2016 TOTALS 50.96 57.94 65.87 74.90 85.16 1,324.85 1,506.36 1,712.73 1,947.37 2,214.16 9,534.56 LAST CONTRACT Employee Share = 10% of Plan Premium INDIVIDUAL COVERAGE Employee's Employee's Total Annual Bi-weekly Cost Cost 28.01 560.20 28.01 168.06 728.26 31.85 36.21 41.17 46.81 53.22 828.03 941.47 1,070.45 1,217.11 1,383.85 6,169.17 Employee's INDIVIDUAL COVERAGE COST INCREASE UNDER TENTATIVE CONTRACT 0.00 100.84 100.84 496.82 564.88 642.27 730.26 830.31 3,365.38 Employee's INDIVIDUAL COVERAGE DOLLAR % INCREASE UNDER TENTATIVE CONTRACT 0.00% 60.00%

60.00% 60.00% 60.00% 60.00% 60.00%

State Grade 10 or higher: FAMILY COVERAGE

TENTATIVE CONTRACT Employee Share = 31% of Plan Premium effective Oct 1, 2011 FAMILY COVERAGE Employee's Employee's Total Bi-weekly Annual Cost Cost Jan - Sept 2011 117.74 2,354.80 Oct- Dec 2011 146.00 875.99 2011 Total 3,230.79 Jan-Dec 2012 Jan-Dec 2013 Jan-Dec 2014 Jan-Dec 2015 Jan-Dec 2016 TOTALS 166.00 188.74 214.60 244.00 277.43 4,315.98 4,907.27 5,579.57 6,343.97 7,213.09 31,590.66 LAST CONTRACT Employee Share = 25% of Plan Premium FAMILY COVERAGE Employee's Employee's Total Annual Bi-weekly Cost Cost 117.74 2,354.80 117.74 706.44 3,061.24 133.87 152.21 173.06 196.77 223.73 3,480.63 3,957.48 4,499.65 5,116.10 5,817.01 25,932.11 Employee's FAMILY Employee's COVERAGE FAMILY COST COVERAGE INCREASE DOLLAR % UNDER INCREASE TENTATIVE TENTATIVE CONTRACT CONTRACT 0.00% 169.55 24.00% 169.55 835.35 949.79 1,079.92 1,227.86 1,396.08 5,658.55 24.00% 24.00% 24.00% 24.00% 24.00%

State Grade 9 or lower: INDIVIDUAL COVERAGE

TENTATIVE CONTRACT Employee Share = 12% of Plan Premium effective Oct 1, 2011 INDIVIDUAL COVERAGE Employee's Employee's Total Bi-weekly Annual Year Cost Cost Jan - Sept 2011 28.01 560.20 Oct- Dec 2011 33.61 201.67 2011 Total 761.87 Jan-Dec 2012 Jan-Dec 2013 Jan-Dec 2014 Jan-Dec 2015 Jan-Dec 2016 TOTALS 38.22 43.45 49.41 56.17 63.87 993.64 1,129.77 1,284.54 1,460.53 1,660.62 7,290.97 LAST CONTRACT Employee Share = 10% of Plan Premium INDIVIDUAL COVERAGE Employee's Employee's Total Annual Bi-weekly Cost Cost 28.01 560.20 28.01 168.06 728.26 31.85 36.21 41.17 46.81 53.22 828.03 941.47 1,070.45 1,217.11 1,383.85 6,169.17 Employee's INDIVIDUAL COVERAGE COST INCREASE UNDER TENTATIVE CONTRACT 0.00 33.61 33.61 165.61 188.29 214.09 243.42 276.77 1,121.79 Employee's INDIVIDUAL COVERAGE DOLLAR % INCREASE UNDER TENTATIVE CONTRACT 0.00% 20.00%

20.00% 20.00% 20.00% 20.00% 20.00%

State Grade 9 or lower: FAMILY COVERAGE

TENTATIVE CONTRACT Employee Share = 27% of Plan Premium effective Oct 1, 2011 FAMILY COVERAGE Employee's Employee's Total Bi-weekly Annual Year Cost Cost Jan - Sept 2011 117.74 2,354.80 Oct- Dec 2011 127.16 762.96 2011 Total 3,117.76 Jan-Dec 2012 Jan-Dec 2013 Jan-Dec 2014 Jan-Dec 2015 Jan-Dec 2016 TOTALS 144.58 164.39 186.91 212.52 241.63 3,759.08 4,274.07 4,859.62 5,525.39 6,282.37 27,818.29 LAST CONTRACT Employee Share = 25% of Plan Premium FAMILY COVERAGE LAST CONTRACT Employee's Employee's Total Bi-weekly Annual Cost Cost 117.74 2,354.80 117.74 706.44 3,061.24 133.87 152.21 173.06 196.77 223.73 3,480.63 3,957.48 4,499.65 5,116.10 5,817.01 25,932.11 Employee's FAMILY Employee's COVERAGE FAMILY COST COVERAGE INCREASE TOTAL $ % UNDER INCREASE TENTATIVE TENTATIVE CONTRACT CONTRACT 0.00% 56.52 8.00% 56.52 278.45 316.60 359.97 409.29 465.36 1,886.18 8.00% 8.00% 8.00% 8.00% 8.00%