Exhibit 14.5 Percentage of Firms whose Largest Plan Covers Care Received at Retail Clinics and, of Those, Percentage of Firms who Offer a Financial Incentive.

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1 Exhibit 14.5 Percentage of Firms whose Largest Plan Covers Care Received at Retail Clinics and, of Those, Percentage of Firms who Offer a Financial Incentive to do so, by Firm Size, 2013 Among Firms Offering Health Benefits: Among Offering Firms whose Largest Plan Includes Coverage at a Retail Clinic: NOTE: Tests found no statistical difference between All Small Firms and All Large Firms within category. A retail clinic is a health care clinic located in retail stores, supermarkets and pharmacies that treats minor illnesses and provides preventive health care services, such as flu shots. SOURCE: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2013.

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