
                MEDICARE MANAGED CARE CONTRACT REPORT
                      (DATA AS OF DECEMBER 01, 1998)

      ATTACHED FOR YOUR INFORMATION IS A SUMMARY OF STATISTICS REGARDING
      MEDICARE CONTRACTS WITH PREPAID ORGANIZATIONS.

      CURRENT CONTRACT SUMMARY:     NUMBER OF PLANS          ENROLLEES
      ------------------------      ---------------          ---------
         TOTAL PREPAID CONTRACTS         456                 6,759,542
             RISK (INCLUDES 0 DCGS)      346                 6,055,546
             COST                         34                   224,741
             OTHER DEMOS                  33                   163,908
             HCPPS                        43                   315,347

      PAYMENT STATISTICS:
      ------------------
         $3003M   TOTAL PAYMENT MADE TO ALL PREPAID PLANS FOR DECEMBER 1998
         $8967M   FISCAL YEAR TO DATE

      ENROLLMENT STATISTICS
      ---------------------
             RISK ENROLLMENT CHANGED FROM  6,017,360 IN NOVEMBER
                  TO  6,055,546 IN DECEMBER OR 0.6% INCREASE.
             TOTAL ENROLLMENT CHANGED FROM  6,718,739 IN NOVEMBER
                   TO  6,759,542 IN DECEMBER OR 0.6% INCREASE.

      CHANGES SINCE NOVEMBER 01, 1998 REPORT:
      -------------------------------------

             SIX M+C CONTRACTS WERE SIGNED (TO BE EFFEXTIVE 1/1/99):

             CENTRAL OREGON, BEND,OR (H3864)
             FIRST CHOICE HEALTH PLAN, SEATTLE,WA (H5076)
             BEACON HEALTH PLANS, INC. CORAL GABLES,FL (H1027)
             MANAGED HEALTH CARE SYSTEMS OF NJ,INC., NEWARK,NJ (H3164)
             MANAGED HEALTH CARE SYSTEMS OF NY,INC., NEW YORK,NY (H3387)
             HEALTH PLAN HAWAII, HONOLULU,HI (H1252)

      PENDING APPLICATIONS
      --------------------
            33 RISK PLANS
             7 COST PLANS
             1 DEMO
             1 HCPP

      PENDING SERVICE AREA EXPANSIONS
      -------------------------------
            22 RISK PLANS

      THIS REPORT WILL BE UPDATED BY THE TENTH OF EACH MONTH.
      IF YOU HAVE ANY QUESTIONS, PLEASE CALL (410) 786-1111.
      PREPARED BY: CENTER FOR HEALTH PLANS AND PROVIDERS,
                   HEALTH CARE FINANCING ADMINISTRATION.
                                                  ENROLLMENT AND PAYMENT SUMMARY
                                                  ------------------------------
                                                     (AS OF  DECEMBER 01, 1998)

 MEDICARE HMO/CMP DATA
 ---------------------
                                                                   PAYMENT      DEC, 1998    YR TO DATE    DEC, 1998
                                                       DEC, 1998   FISCAL YR     INTERIM       INTERIM      TOTAL
                              NUMBER OF   NUMBER OF     PAYMENT    TO DATE       PAYMENT       PAYMENT      PAYMENT
 TYPE OF CONTRACT             CONTRACTS   ENROLLEES   (MILLIONS)  (MILLIONS)*  (MILLIONS)**  (MILLIONS)   (MILLIONS)
 ----------------             ---------   ---------   ----------  ----------   ----------    ----------   ----------

      TEFRA RISK    1/           346      6,055,546     $2,832.9    $8,459.2         $0.0          $1.3     $2,832.9
      DEMOS                       33        163,908        $87.3      $258.0         $0.0          $0.0        $87.3
                                 ---      ---------       ------    --------      -------       -------      -------
        SUBTOTAL                 379      6,219,454     $2,920.2    $8,717.2         $0.0          $1.3     $2,920.2

      TEFRA COST    2/            34        224,741        $41.7      $123.3         $0.0          $3.3        $41.7
                                 ---      ---------       ------    --------      -------       -------      -------

        SUBTOTAL HMO/CMP         413      6,444,195     $2,961.9    $8,840.5         $0.0          $4.6     $2,961.9

      HCPP PART B   3/            43        315,347        $41.6      $126.6         $0.0         $12.3        $41.6
                                 ---      ---------       ------    --------      -------       -------      -------
 TOTAL                           456      6,759,542     $3,003.5    $8,967.1         $0.0         $16.9     $3,003.5


 _________________________________________________________________________________________________________________

 1/  INCLUDES 14 CONTRACTS WHICH HAVE BEEN SIGNED, BUT FOR WHICH NO PAYMENT HAS YET BEEN MADE FOR DECEMBER 1998.
     ALSO INCLUDES 0 DCGS.

 2/  INCLUDES 2 PLANS WITH TEFRA RISK CONTRACTS WHICH HAVE ENROLLEES STILL BEING PAID UNDER THE COST METHODS.

 3/  INCLUDES ENROLLMENT FROM 10 HCPPS WHICH HAVE SIGNED RISK CONTRACTS.

 *   INCLUDES CURRENT MONTH.

 **  REPORTS SPECIAL, NON MONTHLY RECONCILIATION PAYMENTS
                           SUMMARY OF RISK/COST/HCPP CONTRACTS
                                       BY CATEGORY
                                 (AS OF   DECEMBER 01, 1998)
                           -----------------------------------

 TEFRA RISK CONTRACTS
 --------------------
                                NUMBER OF                NUMBER OF
                                CONTRACTS      (%)       ENROLLEES       (%)
                                ---------      ---       ---------       ---
      MODEL
      -----
          IPA                      237         69        4,021,395        66
          GROUP                     90         26        1,358,224        22
          STAFF                     18          5          675,005        12

      OWNERSHIP
      ---------
          PROFIT                   247         71        4,118,303        68
          NON PROFIT                99         29        1,937,243        32
 ___________________________________________________________________________

 TEFRA COST CONTRACTS*
 ---------------------
                                NUMBER OF                NUMBER OF
                                CONTRACTS      (%)       ENROLLEES       (%)
                                ---------      ---       ---------       ---
      MODEL
      -----
          IPA                       12         36          162,294        73
          GROUP                     11         33           35,684        16
          STAFF                     10         31           23,000        11

      OWNERSHIP
      ---------
          PROFIT                     8         24           20,010         9
          NON PROFIT                26         76          201,871        91


 *DOES NOT INCLUDE COST ENROLLEES REMAINING IN RISK PLANS.
                           SUMMARY OF RISK/COST/HCPP CONTRACTS
                                       BY CATEGORY
                                 (AS OF   DECEMBER 01, 1998)
                           -----------------------------------
 HCPP CONTRACTS
 --------------
                                NUMBER OF                NUMBER OF
                                CONTRACTS      (%)       ENROLLEES       (%)
                                ---------      ---       ---------       ---
      MODEL
      -----
          IPA                        2          6              987         1
          GROUP                     26         76          124,105        75
          STAFF                      2          6            4,480         3
          UNION                      2          6           23,279        14
          EMPLOYER GROUP             1          3            3,421         2
          MEDICAL GROUP              0          0                0         0
          PUBLIC HMO                 0          0                0         0
          STATE LICENSED HMO         0          0                0         0
          OTHER                      1          3            9,286         5

      OWNERSHIP
      ---------
          PROFIT                     4         12           11,766         8
          NON PROFIT                29         88          144,506        92
                             MEDICARE PREPAID OPERATIONS
                             ---------------------------

                                      POST-TEFRA
                                  (AS OF  DEC 1998)
                                  -----------------

 RUN DATE: 12/03/1998

                                       # PLANS                   # ENROLLEES
                                       -------                   -----------

 TEFRA RISK                              346                       6,055,546

 OLD RISK                                  0                               0

 COST BASIS                               34                         327,043

 DEMO                                     33                         163,908
                                         ---                      ----------

   TOTAL HMO                             413                       6,546,497


 HCPPS & GPPPS                            44                         213,045
                                         ---                      ----------

   TOTAL PREPAID                         457                       6,759,542
     MEDICARE ENROLLEE DISTRIBUTION BY STATE AS OF DECEMBER 01, 1998



                                                                                                    TEFRA RISK
                                 TOTAL         MEDICARE        MEDICARE        TEFRA RISK            ENROLLEES
                               POPULATION        BENES           BENES         ENROLLEES              AS % OF
                               IN THOUS.       IN THOU         PERCENT          DECEMBER              MEDICARE
     STATE                    07/01/1997 *    09/30/1997       TOTAL POP         1998                   BENES
     ---------------------------------------------------------------------------------------------------------

     ALABAMA                      4,319             660            15              46,149                  7
     ALASKA                         609              37             6                   0                  0
     ARIZONA                      4,555             632            14             254,593                 40
     ARKANSAS                     2,523             429            17              14,351                  3
     CALIFORNIA                  32,268           3,727            12           1,461,501                 39
     COLORADO                     3,893             442            11             140,553                 32
     CONNECTICUT                  3,270             508            16             107,051                 21
     DELAWARE                       732             105            14                   0                  0
     DISTRICT OF COLUMBIA           529              76            14                   0                  0
     FLORIDA                     14,654           2,703            18             768,249                 28
     GEORGIA                      7,486             866            12              48,964                  6
     HAWAII                       1,187             156            13              15,832                 10
     IDAHO                        1,210             155            13               3,321                  2
     ILLINOIS                    11,896           1,620            14             147,754                  9
     INDIANA                      5,864             833            14              63,072                  8
     IOWA                         2,852             475            17                   0                  0
     KANSAS                       2,595             386            15               6,572                  2
     KENTUCKY                     3,908             601            15              13,153                  2
     LOUISIANA                    4,352             591            14             104,696                 18
     MAINE                        1,242             208            17                 482                  0
     MARYLAND                     5,094             618            12             100,855                 16
     MASSACHUSETTS                6,118             945            15             209,651                 22
     MICHIGAN                     9,774           1,368            14              55,630                  4
     MINNESOTA                    4,686             639            14              56,637                  9
     MISSISSIPPI                  2,731             406            15                   0                  0
     MISSOURI                     5,402             843            16             140,488                 17
     MONTANA                        879             133            15                   0                  0
     NEBRASKA                     1,657             251            15              14,074                  6
     NEVADA                       1,677             212            13              52,286                 25
     NEW HAMPSHIRE                1,173             162            14              14,952                  9
     NEW JERSEY                   8,053           1,181            15             151,325                 13
     NEW MEXICO                   1,730             221            13              44,707                 20
     NEW YORK                    18,137           2,657            15             440,180                 17
     NORTH CAROLINA               7,425           1,071            14              30,424                  3
     NORTH DAKOTA                   641             103            16                 163                  0
     OHIO                        11,186           1,679            15             209,301                 12
     OKLAHOMA                     3,317             495            15              43,933                  9
     MEDICARE ENROLLEE DISTRIBUTION BY STATE AS OF DECEMBER 01, 1998



                                                                                                    TEFRA RISK
                                 TOTAL         MEDICARE        MEDICARE        TEFRA RISK            ENROLLEES
                               POPULATION        BENES           BENES         ENROLLEES              AS % OF
                               IN THOUS.       IN THOU         PERCENT          DECEMBER              MEDICARE
     STATE                    07/01/1997 *    09/30/1997       TOTAL POP         1998                   BENES
     ---------------------------------------------------------------------------------------------------------

     OREGON                       3,243             475            15             135,590                 29
     PENNSYLVANIA                12,020           2,079            17             534,699                 26
     RHODE ISLAND                   987             169            17              64,765                 38
     SOUTH CAROLINA               3,760             533            14               1,094                  0
     SOUTH DAKOTA                   738             118            16                   0                  0
     TENNESSEE                    5,368             794            15              23,975                  3
     TEXAS                       19,439           2,153            11             301,020                 14
     UTAH                         2,059             195             9              15,062                  8
     VERMONT                        589              86            15                   0                  0
     VIRGINIA                     6,734             847            13              21,496                  3
     WASHINGTON                   5,610             707            13             172,302                 24
     WEST VIRGINIA                1,816             332            18                   0                  0
     WISCONSIN                    5,170             770            15              24,644                  3
     WYOMING                        480              63            13                   0                  0


     TOTAL                      267,637          37,515            14           6,055,546                 16


     * DATA FROM THE U.S. DEPARTMENT OF COMMERCE
     MEDICARE ENROLLEE DISTRIBUTION BY STATE AS OF DECEMBER 01, 1998



                                                                                                        COST
                                 TOTAL         MEDICARE        MEDICARE           COST               ENROLLEES
                               POPULATION        BENES           BENES          ENROLLEES             AS % OF
                               IN THOUS.       IN THOU         PERCENT           DECEMBER             MEDICARE
     STATE                     07/01/1997 *    09/30/1997      TOTAL POP          1998                  BENES
     ---------------------------------------------------------------------------------------------------------

     ALABAMA                      4,319             660            15                   0                  0
     ALASKA                         609              37             6                   0                  0
     ARIZONA                      4,555             632            14                   0                  0
     ARKANSAS                     2,523             429            17                   0                  0
     CALIFORNIA                  32,268           3,727            12                 838                  0
     COLORADO                     3,893             442            11              14,524                  3
     CONNECTICUT                  3,270             508            16                   0                  0
     DELAWARE                       732             105            14                   0                  0
     DISTRICT OF COLUMBIA           529              76            14                   0                  0
     FLORIDA                     14,654           2,703            18               3,676                  0
     GEORGIA                      7,486             866            12                   0                  0
     HAWAII                       1,187             156            13              36,089                 23
     IDAHO                        1,210             155            13               5,608                  4
     ILLINOIS                    11,896           1,620            14               3,777                  0
     INDIANA                      5,864             833            14              11,095                  1
     IOWA                         2,852             475            17                 374                  0
     KANSAS                       2,595             386            15                   0                  0
     KENTUCKY                     3,908             601            15                   0                  0
     LOUISIANA                    4,352             591            14                   0                  0
     MAINE                        1,242             208            17                   0                  0
     MARYLAND                     5,094             618            12                   0                  0
     MASSACHUSETTS                6,118             945            15                   5                  0
     MICHIGAN                     9,774           1,368            14                   0                  0
     MINNESOTA                    4,686             639            14                   0                  0
     MISSISSIPPI                  2,731             406            15                   0                  0
     MISSOURI                     5,402             843            16                   0                  0
     MONTANA                        879             133            15                   0                  0
     NEBRASKA                     1,657             251            15                   0                  0
     NEVADA                       1,677             212            13                   0                  0
     NEW HAMPSHIRE                1,173             162            14                   0                  0
     NEW JERSEY                   8,053           1,181            15               2,251                  0
     NEW MEXICO                   1,730             221            13                   0                  0
     NEW YORK                    18,137           2,657            15              41,389                  2
     NORTH CAROLINA               7,425           1,071            14               2,375                  0
     NORTH DAKOTA                   641             103            16                 703                  1
     OHIO                        11,186           1,679            15               7,920                  0
     OKLAHOMA                     3,317             495            15                   0                  0
     MEDICARE ENROLLEE DISTRIBUTION BY STATE AS OF DECEMBER 01, 1998



                                                                                                        COST
                                 TOTAL         MEDICARE        MEDICARE           COST               ENROLLEES
                               POPULATION        BENES           BENES          ENROLLEES             AS % OF
                               IN THOUS.       IN THOU         PERCENT           DECEMBER             MEDICARE
     STATE                     07/01/1997 *    09/30/1997      TOTAL POP          1998                  BENES
     ---------------------------------------------------------------------------------------------------------

     OREGON                       3,243             475            15              52,952                 11
     PENNSYLVANIA                12,020           2,079            17                   0                  0
     RHODE ISLAND                   987             169            17               2,137                  1
     SOUTH CAROLINA               3,760             533            14                   0                  0
     SOUTH DAKOTA                   738             118            16                   0                  0
     TENNESSEE                    5,368             794            15                   0                  0
     TEXAS                       19,439           2,153            11              19,801                  1
     UTAH                         2,059             195             9                   0                  0
     VERMONT                        589              86            15               1,646                  2
     VIRGINIA                     6,734             847            13                   0                  0
     WASHINGTON                   5,610             707            13               6,896                  1
     WEST VIRGINIA                1,816             332            18               7,408                  2
     WISCONSIN                    5,170             770            15               3,277                  0
     WYOMING                        480              63            13                   0                  0


     TOTAL                      267,637          37,515            14             224,741                  1


     * DATA FROM THE U.S. DEPARTMENT OF COMMERCE
     MEDICARE ENROLLEE DISTRIBUTION BY STATE AS OF DECEMBER 01, 1998



                                                                                                    OTHER DEMOS
                                 TOTAL         MEDICARE        MEDICARE        OTHER DEMOS           ENROLLEES
                               POPULATION        BENES           BENES          ENROLLEES             AS % OF
                               IN THOUS.       IN THOU         PERCENT           DECEMBER             MEDICARE
     STATE                      07/01/1997 *   09/30/1997      TOTAL POP          1998                  BENES
     ---------------------------------------------------------------------------------------------------------

     ALABAMA                      4,319             660            15                   0                  0
     ALASKA                         609              37             6                   0                  0
     ARIZONA                      4,555             632            14                 324                  0
     ARKANSAS                     2,523             429            17                   0                  0
     CALIFORNIA                  32,268           3,727            12              37,121                  1
     COLORADO                     3,893             442            11                 713                  0
     CONNECTICUT                  3,270             508            16                   0                  0
     DELAWARE                       732             105            14                   0                  0
     DISTRICT OF COLUMBIA           529              76            14                   0                  0
     FLORIDA                     14,654           2,703            18              11,460                  0
     GEORGIA                      7,486             866            12               6,928                  1
     HAWAII                       1,187             156            13                   0                  0
     IDAHO                        1,210             155            13                   0                  0
     ILLINOIS                    11,896           1,620            14               3,865                  0
     INDIANA                      5,864             833            14                   0                  0
     IOWA                         2,852             475            17                   0                  0
     KANSAS                       2,595             386            15                   0                  0
     KENTUCKY                     3,908             601            15                   0                  0
     LOUISIANA                    4,352             591            14               3,115                  1
     MAINE                        1,242             208            17                   0                  0
     MARYLAND                     5,094             618            12               2,117                  0
     MASSACHUSETTS                6,118             945            15               2,299                  0
     MICHIGAN                     9,774           1,368            14                   0                  0
     MINNESOTA                    4,686             639            14               2,606                  0
     MISSISSIPPI                  2,731             406            15               1,101                  0
     MISSOURI                     5,402             843            16                   0                  0
     MONTANA                        879             133            15               1,965                  1
     NEBRASKA                     1,657             251            15                   0                  0
     NEVADA                       1,677             212            13              26,209                 12
     NEW HAMPSHIRE                1,173             162            14                   0                  0
     NEW JERSEY                   8,053           1,181            15                   0                  0
     NEW MEXICO                   1,730             221            13                   0                  0
     NEW YORK                    18,137           2,657            15               5,234                  0
     NORTH CAROLINA               7,425           1,071            14                   0                  0
     NORTH DAKOTA                   641             103            16                   0                  0
     OHIO                        11,186           1,679            15              15,370                  1
     OKLAHOMA                     3,317             495            15                   0                  0
     MEDICARE ENROLLEE DISTRIBUTION BY STATE AS OF DECEMBER 01, 1998



                                                                                                    OTHER DEMOS
                                 TOTAL         MEDICARE        MEDICARE        OTHER DEMOS           ENROLLEES
                               POPULATION        BENES           BENES          ENROLLEES             AS % OF
                               IN THOUS.       IN THOU         PERCENT           DECEMBER             MEDICARE
     STATE                      07/01/1997 *   09/30/1997      TOTAL POP          1998                  BENES
     ---------------------------------------------------------------------------------------------------------

     OREGON                       3,243             475            15               4,207                  1
     PENNSYLVANIA                12,020           2,079            17              14,376                  1
     RHODE ISLAND                   987             169            17                   0                  0
     SOUTH CAROLINA               3,760             533            14                   0                  0
     SOUTH DAKOTA                   738             118            16                   0                  0
     TENNESSEE                    5,368             794            15                  10                  0
     TEXAS                       19,439           2,153            11              21,542                  1
     UTAH                         2,059             195             9                   0                  0
     VERMONT                        589              86            15                   0                  0
     VIRGINIA                     6,734             847            13                   0                  0
     WASHINGTON                   5,610             707            13               3,346                  0
     WEST VIRGINIA                1,816             332            18                   0                  0
     WISCONSIN                    5,170             770            15                   0                  0
     WYOMING                        480              63            13                   0                  0


     TOTAL                      267,637          37,515            14             163,908                  0


     * DATA FROM THE U.S. DEPARTMENT OF COMMERCE
     MEDICARE ENROLLEE DISTRIBUTION BY STATE AS OF DECEMBER 01, 1998



                                                                                                        HCPP
                                 TOTAL         MEDICARE        MEDICARE           HCPP               ENROLLEES
                               POPULATION        BENES           BENES          ENROLLEES             AS % OF
                               IN THOUS.       IN THOU         PERCENT           DECEMBER             MEDICARE
     STATE                     07/01/1997 *    09/30/1997      TOTAL POP          1998                  BENES
     ---------------------------------------------------------------------------------------------------------

     ALABAMA                      4,319             660            15                   0                  0
     ALASKA                         609              37             6                   0                  0
     ARIZONA                      4,555             632            14                   0                  0
     ARKANSAS                     2,523             429            17                   0                  0
     CALIFORNIA                  32,268           3,727            12              56,670                  2
     COLORADO                     3,893             442            11                 429                  0
     CONNECTICUT                  3,270             508            16                 791                  0
     DELAWARE                       732             105            14                   0                  0
     DISTRICT OF COLUMBIA           529              76            14                   0                  0
     FLORIDA                     14,654           2,703            18               2,640                  0
     GEORGIA                      7,486             866            12                 724                  0
     HAWAII                       1,187             156            13               3,111                  2
     IDAHO                        1,210             155            13                   0                  0
     ILLINOIS                    11,896           1,620            14              25,568                  2
     INDIANA                      5,864             833            14               4,111                  0
     IOWA                         2,852             475            17               7,533                  2
     KANSAS                       2,595             386            15                 212                  0
     KENTUCKY                     3,908             601            15                   0                  0
     LOUISIANA                    4,352             591            14                   0                  0
     MAINE                        1,242             208            17                   0                  0
     MARYLAND                     5,094             618            12               7,746                  1
     MASSACHUSETTS                6,118             945            15               6,991                  1
     MICHIGAN                     9,774           1,368            14                 495                  0
     MINNESOTA                    4,686             639            14              46,997                  7
     MISSISSIPPI                  2,731             406            15                   0                  0
     MISSOURI                     5,402             843            16               2,206                  0
     MONTANA                        879             133            15                   0                  0
     NEBRASKA                     1,657             251            15                   0                  0
     NEVADA                       1,677             212            13                   0                  0
     NEW HAMPSHIRE                1,173             162            14                   0                  0
     NEW JERSEY                   8,053           1,181            15                   0                  0
     NEW MEXICO                   1,730             221            13                   0                  0
     NEW YORK                    18,137           2,657            15              30,714                  1
     NORTH CAROLINA               7,425           1,071            14               2,462                  0
     NORTH DAKOTA                   641             103            16                   0                  0
     OHIO                        11,186           1,679            15               1,417                  0
     OKLAHOMA                     3,317             495            15                   0                  0
     MEDICARE ENROLLEE DISTRIBUTION BY STATE AS OF DECEMBER 01, 1998



                                                                                                        HCPP
                                 TOTAL         MEDICARE        MEDICARE           HCPP               ENROLLEES
                               POPULATION        BENES           BENES          ENROLLEES             AS % OF
                               IN THOUS.       IN THOU         PERCENT           DECEMBER             MEDICARE
     STATE                     07/01/1997 *    09/30/1997      TOTAL POP          1998                  BENES
     ---------------------------------------------------------------------------------------------------------

     OREGON                       3,243             475            15                   0                  0
     PENNSYLVANIA                12,020           2,079            17                 427                  0
     RHODE ISLAND                   987             169            17                   0                  0
     SOUTH CAROLINA               3,760             533            14                   0                  0
     SOUTH DAKOTA                   738             118            16                   0                  0
     TENNESSEE                    5,368             794            15                   0                  0
     TEXAS                       19,439           2,153            11              10,872                  1
     UTAH                         2,059             195             9              20,890                 11
     VERMONT                        589              86            15                   0                  0
     VIRGINIA                     6,734             847            13                   0                  0
     WASHINGTON                   5,610             707            13                   0                  0
     WEST VIRGINIA                1,816             332            18                   0                  0
     WISCONSIN                    5,170             770            15              12,755                  2
     WYOMING                        480              63            13                   0                  0

     UMW (90091)                267,637          37,515            14              69,586                  0


     TOTAL                      267,637          37,515            14             315,347                  1


     GRAND TOTAL                267,637          37,515            14           6,759,542                 18


     * DATA FROM THE U.S. DEPARTMENT OF COMMERCE
                                                  BENEFIT AND PREMIUM SUMMARY - PLAN COUNTS
                                                             TEFRA RISK HMOS AND CMPS
                                                             (AS OF DECEMBER 01, 1998)

                                                                                                                            EXTEND.
                       ROUTINE             HEALTH    OUTPAT.    FOOT      EYE                 EAR      HEARING              MENTAL
                       PHYSICALS  IMMUM    ED.       DRUGS      CARE      EXAMS    LENSES     EXAMS    AIDS      DENTAL     HEALTH
                       ---------  -----    ------    -------    ----      -----    ------     -----    -------   ------     ------
 NUMBER AND              327      304      128       226       101       280        2        243         2       124       NO DATA
 PERCENT OF PLANS
 OFFERING ADDITIONAL
 BENEFITS IN THESE
 CATEGORIES IN BASIC
 OPTION PACKAGE

                       (96.75%)  (89.94%)  (37.87%)  (66.86%)  (29.88%)  (82.84%)  (0.59%)   (71.89%)  (0.59%)   (36.69%)
 ----------------------------------------------------------------------------------------------------------------------------------

 PLANS CHARGING COPAYS FOR BASIC PACKAGE: 313 YES (92.60%) 25 NO (7.40%)

 PLANS OFFERING HIGH OPTION PACKAGE: 172 OR (50.89%)

 BASIC PREMIUM RANGE:

                                    NUMBER OF PLANS             RANGE            (%)
                                    ---------------             -----             -

                                          236                   $ 0               69.82
                                           15                   $ 0.01 - $19.99    4.44
                                           43                   $20.00 - $39.99   12.72
                                           23                   $40.00 - $59.99    6.80
                                           18                   $60.00 - $79.99    5.33
                                            1                   ABOVE $80.00       0.30

 AVERAGE BASIC PREMIUM = $11.39     HIGHEST BASIC PREMIUM = $110.00     MEDIAN BASIC PREMIUM = $35.00
