* 1. What best describes the trend of employee health-care insurance costs at your CU over the past three years?

* 2. Does your CU offer a high-deductible insurance plan to its employees?

* 3. How does your CU fund its employee health-care insurance?

* 4. Does your CU have a formal wellness program in place?

* 5. How would you describe the burden of complying with Affordable Care Act (ACA) regulations?