In a state review, the Massachusetts Department of Health and Human Services found that in 2003, Wal-Mart scored only 52 percent of overall social insurance premium costs, unlike K-Mart which got 66 percent, Target which got 68 percent and Sears which got 80 percent. Most Wal-Mart representatives cannot afford the cost of corporate social insurance: between 2000 and 2005, premium spending increased by 169 percent for the individual and 117 percent for the family perimeter. As should be obvious, these rates demonstrate that Wal-Mart's scope of medical services is well below the national norm. Wal-Mart also covers fewer social insurance costs than its competitors, so workers who cannot afford the cost of the health care system likely have to obtain their social service benefits through their colleagues or the state with our spending dollars. Wal-Mart has responded to the problem by offering discounts on personal services, but these discounts are insufficient. Wal-Mart should increase the salaries of its representatives so that they can pay for their well-being