Table 1. Medical care benefits: Plan type, private industry workers, National Compensation Survey, 2011
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristics
Total
Total
All workers ...............................................................
Traditional
Preferred
provider
organization
Point of
service plan
Exclusive
provider
organization
Not
determinable
100
79
3
60
10
7
–
Worker characteristic
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
100
–
100
100
100
100
100
100
100
76
78
75
70
–
81
85
78
86
2
3
2
–
–
4
–
–
–
52
57
49
54
58
60
70
55
76
13
10
16
8
–
10
6
12
4
8
9
8
8
–
7
–
7
5
–
–
–
–
–
–
–
–
–
100
100
100
100
100
86
87
84
83
85
–
–
–
–
–
76
75
68
69
68
3
4
6
–
–
–
6
5
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
100
100
79
83
3
–
60
63
10
7
7
–
–
–
Union .......................................................................
Nonunion .................................................................
100
100
75
80
–
3
62
60
6
10
4
7
–
–
Average wage within the following categories:1
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
100
80
–
79
79
79
81
–
–
2
3
3
2
65
60
59
61
58
57
5
–
11
9
10
12
–
–
7
6
8
9
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
–
100
82
84
83
–
–
–
71
77
71
–
–
–
5
–
5
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
–
100
100
78
84
76
86
76
76
84
84
3
–
–
–
–
–
–
3
57
74
68
80
69
55
51
53
11
4
–
–
–
–
18
16
7
–
–
–
–
12
13
13
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 1. Medical care benefits: Plan type, private industry workers, National
Compensation Survey, 2011—Continued
(All workers participating in medical care plans = 100 percent)
Health maintenance organization
Characteristics
Total
All workers ...............................................................
Traditional
Open
access
Not
determinable
21
17
4
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
24
22
25
30
–
19
15
22
14
18
18
18
26
–
16
13
18
12
6
4
–
–
–
4
–
4
–
–
–
–
–
–
–
–
–
–
14
13
16
17
15
12
12
13
12
13
–
–
3
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
21
17
17
15
4
–
–
–
Union .......................................................................
Nonunion .................................................................
25
20
23
15
1
5
–
–
Average wage within the following categories:1
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
20
–
21
21
21
19
18
–
17
17
16
15
–
–
–
4
5
4
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
18
16
17
14
15
14
3
–
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
22
16
24
14
24
24
16
16
17
14
20
12
17
–
13
12
4
3
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 1. Medical care benefits: Plan type, private industry workers, National Compensation Survey,
2011—Continued
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristics
Total
Total
Traditional
Preferred
provider
organization
Point of
service plan
Exclusive
provider
organization
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
100
–
100
100
100
–
100
100
100
86
81
77
77
72
60
71
75
–
–
4
–
–
–
–
–
–
–
49
63
56
58
36
46
52
34
69
21
6
–
–
27
9
13
31
–
14
–
10
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
100
100
100
100
100
100
77
75
80
81
83
80
2
2
–
4
–
3
61
60
63
59
66
51
8
8
10
11
6
16
6
6
–
8
7
9
–
–
–
–
–
–
–
100
100
100
100
100
100
100
100
72
78
82
89
84
–
88
84
58
–
–
–
2
4
–
–
–
–
52
50
68
70
63
74
68
63
43
4
15
7
12
12
–
10
–
7
10
10
–
5
–
–
–
8
5
–
–
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
See footnotes at end of table.
Table 1. Medical care benefits: Plan type, private industry workers, National
Compensation Survey, 2011—Continued
(All workers participating in medical care plans = 100 percent)
Health maintenance organization
Characteristics
Total
Traditional
Open
access
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
14
19
23
23
28
40
29
25
–
10
15
17
15
22
34
21
19
–
3
–
–
–
–
5
8
–
–
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
23
25
20
19
17
20
18
18
17
15
15
16
5
7
–
3
–
4
–
–
–
–
–
–
28
22
18
11
16
–
12
16
42
19
15
17
–
11
–
–
11
39
–
7
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The categories are based on the average wage for
each occupation surveyed, which may include workers
with earnings both above and below the threshold. The
average wages are based on the estimates published in
the "National Compensation Survey: Occupational
Earnings in the United States, 2010." See Technical Note
for more details.
NOTE: Because of rounding, sums of individual items may
not equal totals. Dashes indicate that no data were
reported or that data do not meet publication criteria. For
definitions of major plans, key provisions, and related
terms, see the "Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 1. Standard errors for medical care benefits: Plan type, private industry workers, National
Compensation Survey, 2011
Fee-for-service plan
Characteristics
Total
All workers ...............................................................
Traditional
Preferred
provider
organization
Point of
service plan
Exclusive
provider
organization
Not
determinable
1.4
0.5
1.5
0.9
0.8
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
2.4
2.9
2.9
4.5
–
1.6
2.0
2.1
2.1
0.6
0.8
0.6
–
–
1.0
–
–
–
2.7
3.5
3.4
4.5
14.8
2.2
3.1
2.5
2.4
1.6
1.5
2.4
1.2
–
1.7
1.5
2.3
0.8
1.6
1.9
2.1
2.0
–
1.1
–
1.0
1.0
–
–
–
–
–
–
–
–
–
3.0
2.8
1.9
2.4
2.2
–
–
–
–
–
4.3
2.9
2.7
3.2
3.9
0.8
1.2
1.9
–
–
–
1.5
1.3
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
1.5
2.4
0.4
–
1.6
4.0
1.0
1.1
0.8
–
–
–
Union .......................................................................
Nonunion .................................................................
3.8
1.5
–
0.6
3.6
1.6
1.3
1.1
1.1
0.9
–
–
Average wage within the following categories:1
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
3.2
–
2.7
1.8
1.8
1.8
–
–
0.5
0.6
0.7
0.6
3.3
8.3
2.3
2.3
2.2
2.7
1.3
–
1.7
1.1
1.3
2.3
–
–
1.4
0.9
1.1
1.6
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
2.0
2.5
2.5
–
–
–
2.3
4.8
3.3
–
–
–
0.9
–
1.1
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1.6
2.0
4.9
2.2
6.2
6.1
2.0
2.1
0.6
–
–
–
–
–
–
0.7
1.7
2.2
5.2
2.6
6.7
5.6
2.8
2.6
1.1
0.9
–
–
–
–
2.4
2.2
1.0
–
–
–
–
3.5
2.2
2.1
–
–
–
–
–
–
–
–
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 1. Standard errors for medical care benefits: Plan type, private industry
workers, National Compensation Survey, 2011—Continued
Health maintenance organization
Characteristics
Total
All workers ...............................................................
Traditional
Open
access
Not
determinable
1.4
1.3
0.7
–
Worker characteristic
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
2.4
2.9
2.9
4.5
–
1.6
2.0
2.1
2.1
2.0
2.6
2.0
4.5
–
1.6
1.8
2.0
2.1
1.6
1.1
–
–
–
0.7
–
0.7
–
–
–
–
–
–
–
–
–
–
3.0
2.8
1.9
2.4
2.2
2.9
2.8
1.8
2.1
2.1
–
–
0.9
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
1.5
2.4
1.4
2.3
0.7
–
–
–
Union .......................................................................
Nonunion .................................................................
3.8
1.5
3.9
1.4
0.4
0.8
–
–
Average wage within the following categories:1
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
3.2
–
2.7
1.8
1.8
1.8
3.0
–
2.3
1.7
1.6
1.6
–
–
–
0.6
0.8
1.0
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
2.0
2.5
2.5
1.9
2.5
2.5
1.0
–
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1.6
2.0
4.9
2.2
6.2
6.1
2.0
2.1
1.4
1.9
4.5
2.0
4.8
–
1.8
1.7
0.8
0.6
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 1. Standard errors for medical care benefits: Plan type, private industry workers, National
Compensation Survey, 2011—Continued
Fee-for-service plan
Characteristics
Total
Traditional
Preferred
provider
organization
Point of
service plan
Exclusive
provider
organization
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
2.2
4.3
4.9
5.9
4.0
6.1
3.0
4.6
–
–
1.2
–
–
–
–
–
–
–
4.1
4.6
5.8
7.3
3.3
6.1
4.0
4.0
7.8
3.4
1.8
–
–
3.2
2.6
1.9
3.7
–
2.2
–
2.5
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
2.1
2.7
3.5
1.7
2.2
2.0
0.4
0.5
–
0.9
–
0.8
2.0
2.5
3.9
1.9
2.6
2.6
1.3
1.6
2.8
1.2
1.3
2.1
0.9
1.0
–
1.2
1.9
1.5
–
–
–
–
–
–
4.7
3.2
2.7
2.4
3.1
–
3.6
3.3
5.2
–
–
–
0.5
0.9
–
–
–
–
4.8
3.8
3.1
3.5
2.4
6.2
3.4
5.3
5.4
0.6
4.0
1.9
3.0
2.4
–
2.8
–
1.1
2.1
1.8
–
1.2
–
–
–
2.0
1.2
–
–
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
See footnotes at end of table.
Table 1. Standard errors for medical care benefits: Plan type, private industry
workers, National Compensation Survey, 2011—Continued
Health maintenance organization
Characteristics
Total
Traditional
Open
access
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
2.2
4.3
4.9
5.9
4.0
6.1
3.0
4.6
–
1.7
3.5
4.7
4.1
3.3
5.6
2.6
3.7
–
1.0
–
–
–
–
1.4
1.4
–
–
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
2.1
2.7
3.5
1.7
2.2
2.0
1.7
2.1
3.3
1.6
2.1
2.0
1.3
1.9
–
0.5
–
0.6
–
–
–
–
–
–
4.7
3.2
2.7
2.4
3.1
–
3.6
3.3
5.2
2.1
2.8
2.6
–
1.9
–
–
2.2
5.3
–
1.0
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The categories are based on the average wage for
each occupation surveyed, which may include workers
with earnings both above and below the threshold. The
average wages are based on the estimates published in
the "National Compensation Survey: Occupational
Earnings in the United States, 2010." See Technical Note
for more details.
NOTE: Dashes indicate that no data were reported or that
data do not meet publication criteria. For definitions of
major plans, key provisions, and related terms, see the
"Glossary
of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 2. Medical care benefits: Plan characteristics, private industry workers, National Compensation Survey, 2011
(All workers participating in medical care plans = 100 percent)
Allow non-emergency services outside
network
Plan network
Require primary care physician
Characteristics
Yes
Not
determinable
No
Yes
Not
determinable
No
Yes
Not
determinable
No
97
3
–
74
26
–
34
66
(1)
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
98
97
98
99
100
96
97
96
98
2
3
2
–
–
4
–
–
–
–
–
–
–
–
–
–
–
–
72
71
72
65
76
74
79
71
81
28
29
28
35
–
26
21
29
19
–
–
–
–
–
–
–
–
–
42
37
46
42
–
32
22
37
20
58
63
54
58
61
68
78
63
80
(1)
–
(1)
–
–
(1)
–
(1)
–
96
99
96
96
96
–
–
–
–
–
–
–
–
–
–
81
81
78
80
77
19
19
22
20
23
–
–
–
–
–
20
21
27
26
27
80
79
73
74
73
–
–
(1)
(1)
–
Full time ...................................................................
Part time ..................................................................
97
92
3
–
–
–
74
72
26
28
–
–
35
27
65
73
(1)
–
Union .......................................................................
Nonunion .................................................................
96
97
–
3
–
–
69
75
31
25
–
–
33
34
67
66
–
(1)
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
95
91
98
97
97
98
–
–
2
3
3
2
–
–
–
–
–
–
72
62
75
74
73
74
28
38
25
26
27
26
–
–
–
–
–
–
29
29
36
34
35
36
71
71
64
66
65
64
–
–
( )
1
( )
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
98
99
98
–
–
–
–
–
–
79
78
80
21
22
20
–
–
–
25
22
26
75
78
74
(1)
–
(1)
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
97
97
100
97
96
98
97
97
3
–
–
–
–
–
–
3
–
–
–
–
–
–
–
–
72
80
77
85
78
68
71
72
28
20
23
15
22
32
29
28
–
–
–
–
–
–
–
–
37
21
27
17
24
36
44
42
63
79
73
83
76
64
56
58
–
–
–
–
–
–
–
–
All workers ...............................................................
Worker characteristic
1
Establishment characteristic
See footnotes at end of table.
Table 2. Medical care benefits: Plan characteristics, private industry workers, National Compensation Survey,
2011—Continued
(All workers participating in medical care plans = 100 percent)
Allow non-emergency services outside
network
Plan network
Require primary care physician
Characteristics
Yes
Not
determinable
No
Yes
Not
determinable
No
Yes
Not
determinable
No
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
97
96
93
93
99
97
98
100
100
–
4
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
73
74
66
72
70
60
73
72
75
27
26
34
28
30
40
27
28
–
–
–
–
–
–
–
–
–
–
47
28
30
29
61
52
45
63
26
53
72
70
71
39
48
55
37
74
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
98
98
98
96
96
97
2
2
–
4
–
3
–
–
–
–
–
–
75
74
75
73
74
72
25
26
25
27
26
28
–
–
–
–
–
–
34
35
32
34
28
41
66
65
68
66
72
59
–
–
–
1
( )
1
( )
–
93
97
99
98
96
99
97
94
98
–
–
–
2
4
–
–
–
–
–
–
–
–
–
–
–
–
–
65
72
75
84
80
83
83
75
54
35
28
25
16
20
17
17
25
46
–
–
–
–
–
–
–
–
–
38
41
29
27
31
22
27
26
52
62
59
71
73
69
78
73
74
48
–
–
( )
1
( )
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1
2
Less than 0.5.
The categories are based on the average wage for each occupation surveyed, which may
include workers with earnings both above and below the threshold. The average wages are based
on the estimates published in the "National Compensation Survey: Occupational Earnings in the
United States, 2010." See Technical Note for more details.
1
NOTE: Because of rounding, sums of individual items may not equal totals. Dashes indicate that
no data were reported or that data do not meet publication criteria. For definitions of major plans,
key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 2. Standard errors for medical care benefits: Plan characteristics, private industry workers, National Compensation
Survey, 2011
Allow non-emergency services outside
network
Plan network
Require primary care physician
Characteristics
Yes
Not
determinable
No
Yes
Not
determinable
No
Yes
Not
determinable
No
0.5
0.5
–
1.4
1.4
–
1.5
1.5
(1)
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
0.6
0.8
0.6
0.4
0.2
1.0
1.0
1.4
1.0
0.6
0.8
0.6
–
–
1.0
–
–
–
–
–
–
–
–
–
–
–
–
2.4
3.2
2.7
4.3
12.5
1.8
2.5
2.1
2.4
2.4
3.2
2.7
4.3
–
1.8
2.5
2.1
2.4
–
–
–
–
–
–
–
–
–
2.7
3.5
3.5
4.6
–
2.4
3.0
2.9
2.3
2.7
3.5
3.5
4.6
14.9
2.4
3.0
2.9
2.3
(1)
–
(1)
–
–
0.1
–
0.1
–
2.3
0.5
1.4
1.7
2.4
–
–
–
–
–
–
–
–
–
–
4.1
2.8
2.5
2.8
3.6
4.1
2.8
2.5
2.8
3.6
–
–
–
–
–
4.0
2.7
2.5
3.1
3.4
4.0
2.7
2.5
3.1
3.4
–
–
( )
1
( )
–
Full time ...................................................................
Part time ..................................................................
0.4
4.0
0.4
–
–
–
1.5
4.3
1.5
4.3
–
–
1.6
3.2
1.6
3.2
(1)
–
Union .......................................................................
Nonunion .................................................................
1.4
0.6
–
0.6
–
–
3.7
1.5
3.7
1.5
–
–
4.0
1.7
4.0
1.7
–
(1)
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
2.1
5.1
0.5
0.6
0.7
0.6
–
–
0.5
0.6
0.7
0.6
–
–
–
–
–
–
3.5
8.3
2.7
2.0
1.9
2.1
3.5
8.3
2.7
2.0
1.9
2.1
–
–
–
–
–
–
3.3
8.2
2.4
2.1
2.3
2.9
3.3
8.2
2.4
2.1
2.3
2.9
–
–
0.1
(1)
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
0.9
0.7
0.6
–
–
–
–
–
–
1.9
4.4
2.8
1.9
4.4
2.8
–
–
–
2.3
4.7
3.2
2.3
4.7
3.2
0.1
–
0.1
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
0.6
1.0
0.3
1.0
3.3
1.5
1.2
0.7
0.6
–
–
–
–
–
–
0.7
–
–
–
–
–
–
–
–
1.7
1.9
4.6
2.1
5.4
6.0
2.6
1.8
1.7
1.9
4.6
2.1
5.4
6.0
2.6
1.8
–
–
–
–
–
–
–
–
1.7
2.3
4.8
2.5
5.9
6.1
2.8
2.8
1.7
2.3
4.8
2.5
5.9
6.1
2.8
2.8
–
–
–
–
–
–
–
–
All workers ...............................................................
Worker characteristic
1
Establishment characteristic
See footnotes at end of table.
Table 2. Standard errors for medical care benefits: Plan characteristics, private industry workers, National Compensation
Survey, 2011—Continued
Allow non-emergency services outside
network
Plan network
Require primary care physician
Characteristics
Yes
Not
determinable
No
Yes
Not
determinable
No
Yes
Not
determinable
No
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
0.9
1.2
2.4
2.7
0.4
1.7
1.1
0.2
(1)
–
1.2
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
2.4
3.7
4.7
4.6
3.9
6.0
2.8
4.5
7.5
2.4
3.7
4.7
4.6
3.9
6.0
2.8
4.5
–
–
–
–
–
–
–
–
–
–
4.6
4.7
5.7
6.4
3.4
5.9
3.8
4.0
7.2
4.6
4.7
5.7
6.4
3.4
5.9
3.8
4.0
7.2
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
0.4
0.5
1.0
0.9
1.4
0.8
0.4
0.5
–
0.9
–
0.8
–
–
–
–
–
–
1.8
2.0
3.7
1.9
2.9
2.4
1.8
2.0
3.7
1.9
2.9
2.4
–
–
–
–
–
–
2.1
2.6
4.1
2.0
2.5
2.9
2.1
2.6
4.1
2.0
2.5
2.9
–
–
–
1
( )
0.1
–
4.3
1.1
0.4
0.5
0.9
0.8
2.0
4.0
0.8
–
–
–
0.5
0.9
–
–
–
–
–
–
–
–
–
–
–
–
–
5.1
2.6
3.5
4.0
2.4
4.7
2.4
4.9
5.7
5.1
2.6
3.5
4.0
2.4
4.7
2.4
4.9
5.7
–
–
–
–
–
–
–
–
–
4.6
4.6
3.3
3.9
2.3
6.2
3.9
4.4
5.4
4.6
4.6
3.3
3.8
2.3
6.2
3.9
4.4
5.4
–
–
0.1
0.1
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1
2
Less than 0.05.
The categories are based on the average wage for each occupation surveyed, which may
include workers with earnings both above and below the threshold. The average wages are based
on the estimates published in the "National Compensation Survey: Occupational Earnings in the
United States, 2010." See Technical Note for more details.
NOTE: Dashes indicate that no data were reported or that data do not meet publication criteria.
For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee
Benefit Terms" at www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 3. Medical care benefits: Amount of lifetime maximum, private industry workers, National Compensation Survey,
2011
(All workers participating in medical care plans = 100 percent)
Amount of lifetime maximum
Characteristics
All workers ...............................................................
With
lifetime
Total
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Unlimited
Other
maximum
Not
determinable
100
31 $1,000,000 $1,000,000 $2,000,000 $5,000,000 $5,000,000
63
–
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
100
–
100
100
100
100
100
100
100
27
26
27
32
–
29
29
29
38
1,000,000
1,000,000
1,000,000
–
–
1,000,000
–
1,000,000
1,000,000
2,000,000
2,000,000
–
1,000,000
–
–
–
–
–
2,000,000
2,000,000
–
–
–
2,000,000
2,000,000
2,000,000
–
5,000,000
5,000,000
5,000,000
–
–
5,000,000
5,000,000
5,000,000
5,000,000
5,000,000
5,000,000
5,000,000
5,000,000
–
5,000,000
5,000,000
5,000,000
5,000,000
69
70
69
62
71
64
64
64
55
–
–
–
–
–
–
–
–
–
–
–
–
6
(1)
–
–
–
–
100
100
100
100
100
40
36
37
38
37
1,000,000
1,000,000
1,000,000
1,000,000
–
1,000,000
–
1,000,000
1,000,000
1,000,000
2,000,000
5,000,000
2,000,000
–
2,000,000
–
5,000,000
5,000,000
5,000,000
–
5,000,000
5,000,000
5,000,000
5,000,000
5,000,000
50
58
55
52
59
–
–
–
–
–
–
6
–
10
–
Full time ...................................................................
Part time ..................................................................
100
100
31
32
1,000,000
400,000
–
–
2,000,000
–
5,000,000
2,000,000
5,000,000
–
63
60
–
–
–
–
Union .......................................................................
Nonunion .................................................................
100
100
34
30
–
1,000,000
1,000,000
–
1,000,000
2,000,000
2,000,000
5,000,000
5,000,000
5,000,000
59
64
–
–
–
–
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
100
36
31
29
33
28
23
–
400,000
1,000,000
1,000,000
1,000,000
1,000,000
1,000,000
1,000,000
–
1,000,000
–
2,000,000
2,000,000
1,000,000
2,000,000
2,000,000
2,000,000
–
5,000,000
2,000,000
5,000,000
5,000,000
5,000,000
5,000,000
5,000,000
2,000,000
5,000,000
5,000,000
5,000,000
5,000,000
55
54
63
61
67
73
–
–
–
–
–
–
–
16
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
–
100
37
39
36
1,000,000
1,000,000
1,000,000
1,000,000
1,000,000
–
2,000,000
2,000,000
–
5,000,000
–
5,000,000
5,000,000
5,000,000
5,000,000
55
51
57
–
–
–
–
–
7
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
–
100
100
29
35
46
32
25
–
24
20
1,000,000
–
1,000,000
400,000
2,000,000
–
1,000,000
2,000,000
1,000,000
1,000,000
–
1,000,000
2,000,000
–
–
2,000,000
2,000,000
2,000,000
5,000,000
2,000,000
2,000,000
–
–
–
5,000,000
5,000,000
5,000,000
–
2,000,000
–
5,000,000
5,000,000
5,000,000
5,000,000
5,000,000
5,000,000
2,000,000
–
5,000,000
5,000,000
65
59
53
60
67
80
68
70
–
–
–
–
–
–
–
–
–
–
1
–
8
6
–
–
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 3. Medical care benefits: Amount of lifetime maximum, private industry workers, National Compensation Survey,
2011—Continued
(All workers participating in medical care plans = 100 percent)
Amount of lifetime maximum
Characteristics
With
lifetime
Total
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Unlimited
Other
maximum
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
100
–
100
100
100
–
100
100
100
17 $2,000,000 $2,000,000 $5,000,000 $5,000,000 $5,000,000
27 2,000,000 2,000,000 2,000,000
– 5,000,000
28 1,000,000
–
– 5,000,000 5,000,000
35
– 2,000,000
– 5,000,000 5,000,000
26 1,000,000
– 2,000,000 5,000,000 5,000,000
22 1,000,000
– 2,000,000
– 5,000,000
24 1,000,000
– 2,000,000
– 5,000,000
27 1,000,000
– 2,000,000 5,000,000 5,000,000
34
– 1,000,000
–
– 5,000,000
71
69
68
62
68
77
74
66
58
–
–
–
–
–
–
–
–
–
12
–
–
3
–
1
1
–
8
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
100
100
100
100
100
100
31
33
26
31
35
26
1,000,000
1,000,000
1,000,000
1,000,000
–
1,000,000
–
2,000,000
–
1,000,000
1,000,000
1,000,000
–
–
2,000,000
2,000,000
2,000,000
2,000,000
5,000,000
5,000,000
5,000,000
5,000,000
5,000,000
–
5,000,000
5,000,000
5,000,000
5,000,000
5,000,000
5,000,000
63
60
68
63
58
70
–
–
–
–
–
–
–
–
–
–
–
–
–
100
100
100
100
100
100
100
100
19
19
39
28
32
44
39
34
26
2,000,000
–
1,000,000
1,000,000
1,000,000
1,000,000
1,000,000
–
1,000,000
2,000,000
1,000,000
2,000,000
2,000,000
1,000,000
–
–
1,000,000
–
2,000,000
–
–
–
2,000,000
2,000,000
–
2,000,000
2,000,000
2,500,000
–
5,000,000
5,000,000
–
–
5,000,000
–
5,000,000
–
5,000,000
5,000,000
5,000,000
5,000,000
5,000,000
5,000,000
5,000,000
5,000,000
73
79
56
65
65
51
47
57
66
–
–
–
–
–
–
–
–
–
7
2
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Less than 0.5.
2 The categories are based on the average wage for each occupation surveyed, which
may include workers with earnings both above and below the threshold. The average wages
are based on the estimates published in the "National Compensation Survey: Occupational
Earnings in the United States, 2010." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals. Dashes indicate
that no data were reported or that data do not meet publication criteria. For definitions of
major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms"
at www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 3. Standard errors for medical care benefits: Amount of lifetime maximum, private industry workers, National
Compensation Survey, 2011
Amount of lifetime maximum
Characteristics
All workers ...............................................................
With
lifetime
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Unlimited
Other
maximum
Not
determinable
1.3
$0
$0
$0
$0
$0
1.5
–
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
2.2
2.7
2.6
4.3
–
2.3
3.1
2.9
4.5
0
98,107
0
–
–
0
–
0
0
0
0
–
0
–
–
–
–
–
138,744
0
–
–
–
0
480,625
0
–
0
0
0
–
–
0
0
0
0
0
0
0
0
–
0
0
0
0
2.3
2.6
2.9
4.1
16.4
2.9
3.8
3.3
4.6
–
–
–
–
–
–
–
–
–
–
–
–
1.9
0.5
–
–
–
–
6.6
6.1
3.0
3.6
4.5
0
0
254,890
235,253
–
0
–
0
224,792
0
0
1,038,268
0
–
277,489
–
0
0
0
–
0
0
0
0
0
6.7
6.0
3.0
3.7
4.5
–
–
–
–
–
–
2.3
–
2.9
–
Full time ...................................................................
Part time ..................................................................
1.4
4.4
0
0
–
–
0
–
0
0
0
–
1.5
4.3
–
–
–
–
Union .......................................................................
Nonunion .................................................................
3.8
1.5
–
0
98,107
–
240,312
98,107
98,107
0
679,706
0
3.8
1.7
–
–
–
–
Average wage within the following categories:1
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
4.1
7.4
2.1
2.2
1.7
2.4
–
118,137
0
0
0
0
0
138,744
–
69,372
–
0
0
0
0
0
98,107
–
1,139,901
196,214
0
0
0
0
0
0
0
0
0
0
4.6
7.1
2.2
2.0
1.8
2.4
–
–
–
–
–
–
–
5.5
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
3.4
5.8
4.1
49,054
69,372
183,542
0
196,214
–
0
0
–
0
–
0
0
0
0
3.4
5.8
4.0
–
–
–
–
–
2.0
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1.6
2.8
6.2
3.7
6.6
–
4.0
2.7
0
–
0
19,621
379,967
–
0
0
259,567
0
–
219,374
0
–
–
0
0
0
0
219,374
0
–
–
–
0
0
0
–
0
–
0
0
0
0
0
0
0
–
0
0
1.8
2.6
6.1
3.7
6.7
5.2
4.1
3.2
–
–
–
–
–
–
–
–
–
–
1.3
–
4.9
2.4
–
–
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 3. Standard errors for medical care benefits: Amount of lifetime maximum, private industry workers, National
Compensation Survey, 2011—Continued
Amount of lifetime maximum
Characteristics
With
lifetime
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Unlimited
Other
maximum
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
2.7
5.3
4.1
5.6
2.6
3.8
4.0
3.2
9.6
$0
0
0
–
0
0
0
0
–
$392,428
0
–
325,384
–
–
–
–
219,374
$0
196,214
–
–
0
0
0
196,214
–
$0
–
0
0
196,214
–
–
0
–
$0
0
0
0
0
0
0
0
707,460
3.7
5.5
4.9
5.9
3.3
3.9
4.0
4.1
9.5
–
–
–
–
–
–
–
–
–
3.2
–
–
1.6
–
0.2
0.4
–
3.7
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
2.2
2.7
3.8
2.0
2.8
2.3
0
0
0
162,692
–
0
–
519,134
–
0
49,054
0
–
–
588,643
0
0
0
0
0
0
1,359,412
0
–
0
0
0
0
0
0
2.3
2.7
4.2
2.2
3.0
2.3
–
–
–
–
–
–
–
–
–
–
–
–
4.1
3.0
3.2
6.0
2.3
6.6
4.4
4.4
4.4
310,242
–
0
0
245,268
0
0
–
0
0
0
554,977
0
0
–
–
0
–
0
–
–
–
0
0
–
259,567
98,107
325,384
–
0
0
–
–
0
–
0
–
0
0
0
0
0
0
0
0
9.2
3.4
3.3
5.0
2.4
6.9
5.0
6.5
4.2
–
–
–
–
–
–
–
–
–
5.8
0.7
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The categories are based on the average wage for each occupation surveyed, which
may include workers with earnings both above and below the threshold. The average
wages are based on the estimates published in the "National Compensation Survey:
Occupational Earnings in the United States, 2010." See Technical Note for more details.
NOTE: Dashes indicate that no data were reported or that data do not meet publication
criteria. For definitions of major plans, key provisions, and related terms, see the "Glossary
of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 4. Medical care benefits: High deductible 1 and non-high
deductible health plans,2 private industry workers, National
Compensation Survey, 2011
(All workers participating in medical care plans = 100 percent)
Characteristics
All workers ...............................................................
High
deductible
health plans
Non-high
deductible health
plans
21
77
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
22
21
23
12
–
24
26
24
22
77
79
76
87
86
73
73
74
77
–
25
20
23
16
82
74
79
75
84
Full time ...................................................................
Part time ..................................................................
22
9
76
91
Union .......................................................................
Nonunion .................................................................
6
24
92
75
Average wage within the following categories:3
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
19
–
25
23
18
16
79
85
74
76
80
82
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
23
26
23
75
73
75
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
21
23
40
20
–
20
23
24
78
76
59
80
80
77
75
75
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 4. Medical care benefits: High deductible 1 and non-high
deductible health plans,2 private industry workers, National
Compensation Survey, 2011—Continued
(All workers participating in medical care plans = 100 percent)
High
deductible
health plans
Characteristics
Non-high
deductible health
plans
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
23
34
21
–
22
–
–
24
–
77
65
79
75
77
85
90
75
93
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
31
32
30
13
14
12
68
68
69
85
83
87
28
14
22
25
28
17
22
20
16
72
85
76
75
69
83
78
79
82
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 A high deductible health plan (HDHP) is
a health plan which typically has a higher
deductible and lower premium than a
traditional health plan. An individual plan must
have a minimum deductible of $1,200 to be
classified as a HDHP. Normally the plan
includes catastrophic coverage to protect
against large medical expenses, but the
insured is responsible for routine out-of-pocket
expenses.
2 The sum of the columns may not equal
100 since only plans with fixed, variable, or no
deductibles are included. Plans with other
deductible formulas are not included.
3 The categories are based on the average
wage for each occupation surveyed, which
may include workers with earnings both above
and below the threshold. The average wages
are based on the estimates published in the
"National Compensation Survey: Occupational
Earnings in the United States, 2010." See
Technical Note for more details.
NOTE: Dashes indicate that no data were
reported or that data do not meet publication
criteria. For definitions of major plans, key
provisions, and related terms, see the
"Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 4. Standard errors for medical care benefits: High
deductible 1 and non-high deductible health plans, private
industry workers, National Compensation Survey, 2011
Characteristics
All workers ...............................................................
High
deductible
health plans
Non-high
deductible health
plans
1.5
1.6
Worker characteristic
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
2.3
1.6
3.6
2.2
–
2.3
3.5
2.4
3.5
2.2
1.5
3.5
2.1
9.7
2.3
3.5
2.6
3.5
–
4.4
2.7
3.7
3.1
5.1
4.5
2.7
3.7
3.1
Full time ...................................................................
Part time ..................................................................
1.6
2.0
1.6
2.0
Union .......................................................................
Nonunion .................................................................
1.4
1.7
1.8
1.7
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
2.7
–
3.9
2.1
1.4
2.3
2.9
4.1
3.8
2.3
1.4
2.4
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
2.6
3.7
3.4
2.7
3.7
3.4
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1.8
2.4
4.9
3.3
–
4.7
2.1
1.9
1.8
2.4
4.8
3.4
6.9
5.1
2.5
2.0
Establishment characteristic
See footnotes at end of table.
Table 4. Standard errors for medical care benefits: High
deductible 1 and non-high deductible health plans, private
industry workers, National Compensation Survey,
2011—Continued
High
deductible
health plans
Characteristics
Non-high
deductible health
plans
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
2.7
3.5
3.5
–
5.5
–
–
6.5
–
2.7
3.5
3.5
4.7
5.5
6.4
3.4
6.5
2.5
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
2.9
3.4
4.7
1.2
1.9
1.4
2.9
3.4
4.7
1.3
2.0
1.4
7.7
1.7
3.2
5.6
5.2
3.8
3.0
5.7
3.0
7.7
1.8
3.3
5.6
5.1
3.9
3.0
5.8
3.4
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 A high deductible health plan (HDHP) is
a health plan which typically has a higher
deductible and lower premium than a
traditional health plan. An individual plan must
have a minimum deductible of $1,200 to be
classified as a HDHP. Normally the plan
includes catastrophic coverage to protect
against large medical expenses, but the
insured is responsible for routine out-of-pocket
expenses.
2 The categories are based on the average
wage for each occupation surveyed, which
may include workers with earnings both above
and below the threshold. The average wages
are based on the estimates published in the
"National Compensation Survey: Occupational
Earnings in the United States, 2010." See
Technical Note for more details.
NOTE: Dashes indicate that no data were
reported or that data do not meet publication
criteria. For definitions of major plans, key
provisions, and related terms, see the
"Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 5. Non-high deductible health plans: Amount of annual individual deductible, private industry workers, National
Compensation Survey, 2011
(All workers participating in non-high deductible health plans = 100 percent)
Amount of annual deductible
Characteristics
All workers ...............................................................
Total
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
100
76
$200
$250
$400
$750
$1,000
24
Worker characteristic
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
100
100
100
100
100
100
100
100
72
72
72
68
80
90
75
83
200
200
–
200
200
200
200
200
250
250
250
250
300
300
300
200
400
400
400
400
500
400
500
–
600
700
500
800
750
–
750
–
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
28
28
28
32
20
10
25
17
100
100
100
100
100
87
80
81
78
84
150
200
–
200
–
200
300
250
300
200
250
500
–
–
–
500
1,000
750
900
750
–
1,000
1,000
1,000
1,000
13
20
19
22
16
Full time ...................................................................
Part time ..................................................................
100
100
76
84
200
100
250
200
500
300
750
500
1,000
1,000
24
16
Union .......................................................................
Nonunion .................................................................
100
100
67
78
100
200
200
275
250
500
400
750
750
1,000
33
22
Average wage within the following categories:1
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
81
78
76
74
73
150
200
200
200
200
250
300
250
250
250
400
500
500
350
350
800
750
750
500
500
1,000
1,000
1,000
1,000
1,000
19
22
24
26
27
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
77
81
75
200
150
200
250
200
300
–
275
500
750
500
1,000
1,000
1,000
1,000
23
19
25
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
100
100
100
76
86
72
91
78
61
67
67
200
200
200
200
–
150
250
250
250
250
250
300
165
250
350
350
400
350
–
400
–
450
500
500
750
–
500
750
600
500
750
750
1,000
1,000
1,000
1,000
1,000
–
1,000
1,000
24
14
28
9
22
39
33
33
Establishment characteristic
See footnotes at end of table.
Table 5. Non-high deductible health plans: Amount of annual individual deductible, private industry workers, National
Compensation Survey, 2011—Continued
(All workers participating in non-high deductible health plans = 100 percent)
Amount of annual deductible
Characteristics
Total
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
100
100
100
100
100
100
100
100
70
69
79
81
69
69
71
69
$250
300
–
–
–
–
200
–
–
$400
250
250
250
250
250
250
$500
500
400
–
–
400
350
–
–
$750
750
–
–
500
500
–
$1,000
1,000
1,000
1,000
1,000
500
–
1,000
30
31
21
19
31
31
29
31
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
100
100
100
100
100
100
78
78
77
76
79
72
200
200
200
–
200
–
250
300
250
250
300
250
500
500
500
350
400
300
1,000
1,000
900
500
–
500
1,000
1,000
1,000
1,000
1,000
1,000
22
22
23
24
21
28
100
100
100
100
100
100
100
100
69
72
78
85
89
86
82
52
–
–
200
250
200
–
–
150
275
250
250
400
250
300
250
250
500
350
500
–
350
500
350
300
–
500
750
1,000
–
–
–
500
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
31
28
22
15
11
14
18
48
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The categories are based on the average wage for each occupation surveyed, which
may include workers with earnings both above and below the threshold. The average wages
are based on the estimates published in the "National Compensation Survey: Occupational
Earnings in the United States, 2010." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals. Dashes indicate
that no data were reported or that data do not meet publication criteria. For definitions of
major plans, key provisions, and related terms, see the "Glossary of Employee Benefit
Terms" at www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 5. Standard errors for non-high deductible health plans: Amount of annual individual deductible, private
industry workers, National Compensation Survey, 2011
Amount of annual deductible
Characteristics
All workers ...............................................................
With
deductible
10th
percentile
50th
percentile
(median)
25th
percentile
75th
percentile
With no
deductible
90th
percentile
1.6
$0
$0
$88
$97
$0
1.6
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
2.3
3.6
2.4
4.9
2.0
1.8
2.6
2.5
23
10
–
14
0
10
48
53
0
33
0
31
36
31
58
57
40
118
29
57
122
101
55
–
113
150
118
172
133
–
87
–
0
0
0
0
0
0
0
0
2.3
3.6
2.4
4.9
2.0
1.8
2.6
2.5
3.5
3.6
2.6
3.5
2.7
14
27
–
14
–
0
45
0
57
57
46
49
–
–
–
128
0
84
193
198
–
0
0
0
0
3.5
3.6
2.6
3.5
2.7
Full time ...................................................................
Part time ..................................................................
1.7
2.4
0
22
0
0
88
64
33
48
0
127
1.7
2.4
Union .......................................................................
Nonunion .................................................................
3.9
1.6
30
0
0
47
48
0
102
37
167
0
3.9
1.6
Average wage within the following categories:1
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
3.7
2.6
2.2
2.0
2.4
37
10
0
54
40
40
16
16
0
0
74
0
22
47
60
181
169
77
63
48
0
0
0
0
0
3.7
2.6
2.2
2.0
2.4
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
2.2
4.8
3.4
0
14
57
5
0
25
–
55
10
142
0
140
0
208
0
2.2
4.8
3.4
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1.8
1.9
5.6
2.0
6.0
6.7
3.6
2.8
20
7
0
10
–
34
14
0
0
0
20
64
40
20
72
52
67
62
–
84
–
129
0
0
140
–
49
170
179
0
125
51
0
0
278
0
49
–
0
0
1.8
1.9
5.6
2.0
6.0
6.7
3.6
2.8
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 5. Standard errors for non-high deductible health plans: Amount of annual individual deductible, private
industry workers, National Compensation Survey, 2011—Continued
Amount of annual deductible
Characteristics
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
3.6
5.6
5.2
4.4
3.5
5.1
3.4
4.1
$38
14
–
–
–
–
0
–
–
$0
17
61
0
0
0
0
$0
34
99
–
–
117
83
–
–
$158
210
–
–
0
0
–
$14
0
0
0
0
53
–
0
3.6
5.6
5.2
4.4
3.5
5.1
3.4
4.1
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
2.1
2.6
4.4
1.9
2.9
2.5
0
0
0
–
0
–
47
25
10
0
67
59
0
0
108
14
64
40
59
0
184
35
–
0
0
0
0
0
0
26
2.1
2.6
4.4
1.9
2.9
2.5
3.0
3.5
3.6
3.3
1.9
3.3
4.1
5.2
–
–
0
47
22
–
–
29
25
71
10
113
0
46
59
60
94
31
47
–
90
0
42
0
–
0
132
91
–
–
–
0
0
0
0
0
0
0
0
17
3.0
3.5
3.6
3.3
1.9
3.3
4.1
5.2
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The categories are based on the average wage for each occupation surveyed,
which may include workers with earnings both above and below the threshold. The
average wages are based on the estimates published in the "National Compensation
Survey: Occupational Earnings in the United States, 2010." See Technical Note for
more details.
NOTE: Dashes indicate that no data were reported or that data do not meet publication
criteria. For definitions of major plans, key provisions, and related terms, see the
"Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 6. Fee-for-service plans: Summary of selected features, private industry workers, National Compensation Survey, 2011
(All workers participating in fee-for-service plans = 100 percent)
Annual deductible
Characteristics
Yes
Coinsurance
Not
determinable
No
Yes
Annual out-of-pocket maximum
Not
determinable
No
Yes
Not
determinable
No
93
7
(1)
78
22
–
85
13
2
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
92
92
92
93
87
94
97
92
94
8
8
7
7
–
6
–
7
6
(1)
(1)
(1)
(1)
–
(1)
–
(1)
1
77
77
76
82
71
84
86
83
73
23
23
24
18
–
16
14
17
27
–
–
–
–
–
–
–
–
–
86
89
84
82
84
87
90
85
90
14
11
16
12
–
12
–
14
9
(1)
(1)
(1)
5
–
2
–
2
1
95
93
94
92
97
–
7
6
8
–
–
(1)
–
–
–
61
80
75
71
80
39
20
25
29
20
–
–
–
–
–
86
93
82
80
84
–
–
16
17
15
–
–
2
3
(1)
Full time ...................................................................
Part time ..................................................................
93
96
7
–
(1)
–
78
83
22
17
–
–
86
82
13
17
2
2
Union .......................................................................
Nonunion .................................................................
87
94
13
6
(1)
(1)
73
79
27
21
–
–
78
86
19
12
3
1
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
98
98
95
93
91
90
–
–
5
7
9
10
–
–
( )
1
( )
(1)
(1)
86
81
81
79
74
74
–
–
19
21
26
26
–
–
–
–
–
–
84
84
86
86
85
85
–
–
12
13
15
15
–
–
2
1
1
1
( )
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
92
93
92
8
–
8
(1)
–
–
71
65
73
29
35
27
–
–
–
86
90
84
12
–
14
2
–
2
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
94
98
95
100
100
80
86
85
6
–
–
–
–
16
14
15
(1)
–
–
–
–
4
–
–
81
85
66
92
81
79
77
79
19
15
34
8
19
21
23
21
–
–
–
–
–
–
–
–
85
88
80
92
92
85
77
76
13
10
–
6
–
–
23
24
1
2
–
2
–
–
1
( )
1
( )
All workers ...............................................................
Worker characteristic
1
Establishment characteristic
See footnotes at end of table.
Table 6. Fee-for-service plans: Summary of selected features, private industry workers, National Compensation Survey,
2011—Continued
(All workers participating in fee-for-service plans = 100 percent)
Annual deductible
Characteristics
Yes
Coinsurance
Not
determinable
No
Yes
Annual out-of-pocket maximum
Not
determinable
No
Yes
Not
determinable
No
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
84
93
93
95
92
94
93
92
100
16
–
–
–
8
–
6
8
–
–
–
–
–
1
( )
–
(1)
1
( )
–
78
88
72
67
80
58
70
85
97
22
12
28
33
20
42
30
15
–
–
–
–
–
–
–
–
–
–
74
91
85
82
84
77
82
85
89
26
–
15
–
16
23
18
14
–
–
–
–
–
1
–
–
1
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
95
96
94
92
94
88
4
4
6
8
5
11
(1)
(1)
–
(1)
1
(1)
74
75
72
82
82
82
26
25
28
18
18
18
–
–
–
–
–
–
84
83
85
87
89
84
15
15
14
12
9
15
2
2
( )
2
2
1
89
84
96
97
97
97
94
92
92
11
16
–
3
–
–
–
–
8
–
(1)
–
(1)
–
–
–
–
1
( )
70
65
82
83
79
80
79
80
87
–
35
18
17
21
–
21
–
13
–
–
–
–
–
–
–
–
–
82
65
88
94
89
95
89
80
91
18
35
11
–
10
–
–
–
–
(1)
(1)
1
–
1
–
–
–
–
1
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1
2
Less than 0.5.
The categories are based on the average wage for each occupation surveyed, which may
include workers with earnings both above and below the threshold. The average wages are based
on the estimates published in the "National Compensation Survey: Occupational Earnings in the
United States, 2010." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals. Dashes indicate that
no data were reported or that data do not meet publication criteria. For definitions of major plans,
key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 6. Standard errors for fee-for-service plans: Summary of selected features, private industry workers, National
Compensation Survey, 2011
Annual deductible
Characteristics
Yes
All workers ...............................................................
Coinsurance
Not
determinable
No
Yes
Annual out-of-pocket maximum
Not
determinable
No
Yes
Not
determinable
No
0.6
0.6
0.1
1.6
1.6
–
1.3
1.2
0.5
Worker characteristic
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
1.1
2.0
1.2
1.6
9.6
0.9
1.0
1.2
1.1
1.1
2.0
1.2
1.5
–
0.9
–
1.2
1.0
0.2
(1)
0.3
0.4
–
0.1
–
0.1
0.2
2.7
3.3
3.6
3.5
11.5
2.0
3.0
2.3
4.9
2.7
3.3
3.6
3.5
–
2.0
3.0
2.3
4.9
–
–
–
–
–
–
–
–
–
1.9
1.9
2.9
3.8
10.4
2.0
2.7
2.3
2.1
1.9
1.9
3.0
2.3
–
1.9
–
2.2
2.1
0.1
0.1
0.1
3.3
–
0.7
–
0.9
0.4
2.3
1.6
1.3
1.9
1.2
–
1.6
1.3
1.9
–
–
0.2
–
–
–
8.9
3.9
2.9
3.8
4.3
8.9
3.9
2.9
3.8
4.3
–
–
–
–
–
5.6
2.1
2.8
3.8
4.0
–
–
2.4
3.0
4.0
–
–
1.7
3.0
0.1
Full time ...................................................................
Part time ..................................................................
0.7
1.3
0.7
–
0.1
–
1.6
4.7
1.6
4.7
–
–
1.3
4.7
1.2
4.7
0.6
0.9
Union .......................................................................
Nonunion .................................................................
2.4
0.6
2.4
0.6
0.2
0.1
3.7
1.7
3.7
1.7
–
–
3.1
1.3
3.0
1.2
1.2
0.6
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
0.6
1.1
1.1
0.9
1.2
1.8
–
–
1.1
0.9
1.1
1.7
–
–
( )
0.1
0.2
0.4
5.2
8.8
2.4
2.4
1.8
2.0
–
–
2.4
2.4
1.8
2.0
–
–
–
–
–
–
4.7
6.8
2.2
1.8
1.8
2.9
–
–
1.9
1.8
1.8
2.9
–
–
1.2
0.5
0.2
0.1
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
1.4
4.7
1.6
1.3
–
1.6
0.1
–
–
3.5
7.8
3.7
3.5
7.8
3.7
–
–
–
2.4
5.1
3.2
2.1
–
2.8
1.4
–
1.9
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
0.9
0.7
3.0
0.2
0.2
5.2
2.8
2.8
0.8
–
–
–
–
4.4
2.8
2.8
0.1
–
–
–
–
3.0
–
–
1.8
2.0
6.3
1.8
5.7
4.7
2.3
2.9
1.8
2.0
6.3
1.8
5.7
4.7
2.3
2.9
–
–
–
–
–
–
–
–
1.5
1.8
6.0
2.1
4.5
4.8
3.9
5.3
1.4
1.7
–
1.8
–
–
3.9
5.3
0.6
0.8
–
0.9
–
–
(1)
(1)
1
Establishment characteristic
See footnotes at end of table.
Table 6. Standard errors for fee-for-service plans: Summary of selected features, private industry workers, National
Compensation Survey, 2011—Continued
Annual deductible
Characteristics
Yes
Coinsurance
Not
determinable
No
Yes
Annual out-of-pocket maximum
Not
determinable
No
Yes
Not
determinable
No
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
2.4
2.9
2.4
2.6
1.7
2.0
1.7
2.1
0.1
2.4
–
–
–
1.7
–
1.6
2.1
–
–
–
–
–
0.2
–
0.3
0.3
–
3.3
3.4
4.7
7.4
4.0
7.4
3.9
3.9
1.5
3.3
3.4
4.7
7.4
4.0
7.4
3.9
3.9
–
–
–
–
–
–
–
–
–
–
4.2
3.1
4.4
7.0
2.9
4.8
3.4
3.0
7.3
4.2
–
4.4
–
2.9
4.8
3.4
3.0
–
–
–
–
–
0.4
–
–
0.5
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
0.7
0.7
1.6
1.0
1.1
1.6
0.7
0.7
1.6
1.0
1.1
1.6
(1)
(1)
–
0.2
0.3
0.1
2.7
2.9
5.1
1.9
2.7
2.1
2.7
2.9
5.1
1.9
2.7
2.1
–
–
–
–
–
–
2.2
2.8
3.9
1.5
2.2
1.8
1.9
2.4
3.9
1.4
1.9
1.8
0.9
1.3
0.1
0.7
1.2
0.1
1.7
2.5
1.4
0.6
0.9
1.6
2.5
2.9
1.8
1.7
2.6
–
0.6
–
–
–
–
1.7
–
0.1
–
0.1
–
–
–
–
0.1
12.1
3.7
3.3
4.8
3.7
7.7
4.7
6.0
2.1
–
3.7
3.3
4.8
3.7
–
4.7
–
2.1
–
–
–
–
–
–
–
–
–
4.3
4.1
2.1
3.7
2.6
2.4
4.3
8.3
2.3
4.2
4.3
2.1
–
2.6
–
–
–
–
0.5
0.3
0.2
–
0.5
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1
2
Less than 0.05.
The categories are based on the average wage for each occupation surveyed, which may
include workers with earnings both above and below the threshold. The average wages are based
on the estimates published in the "National Compensation Survey: Occupational Earnings in the
United States, 2010." See Technical Note for more details.
NOTE: Dashes indicate that no data were reported or that data do not meet publication criteria.
For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee
Benefit Terms" at www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 7. Fee-for-service plans: Type and amount of annual individual deductible, private industry workers, National Compensation Survey, 2011
(All workers participating in fee-for-service plans = 100 percent)
With deductible
With fixed deductible
Characteristics
All workers ...............................................................
Total
Total with
deductible
Total with
fixed
deductible
With variable deductible
Median
deductible
amount
Total with
variable
deductible
Median deductible amount
In-network
Out-ofnetwork
Other
deductible
With no
deductible
Not
determinable
Point-ofservice
100
93
–
–
57
$750
$1,200
–
–
7
(1)
Worker characteristic
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
100
100
100
100
100
100
100
100
100
92
92
92
93
87
94
97
92
94
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
60
55
64
62
80
54
56
52
50
–
–
–
–
1,000
750
750
750
1,000
1,250
–
–
1,050
1,200
1,500
1,500
1,200
–
$250
–
250
–
–
–
500
–
–
–
–
–
–
–
–
–
–
–
8
8
7
7
–
6
–
7
6
(1)
(1)
(1)
(1)
–
(1)
–
(1)
1
100
100
100
100
100
95
93
94
92
97
55
–
–
–
34
–
–
–
–
–
–
56
61
59
63
–
1,000
500
1,000
500
–
2,000
1,200
1,500
1,000
–
1,000
–
1,000
500
–
–
–
–
–
–
7
6
8
–
–
(1)
–
–
–
Full time ...................................................................
Part time ..................................................................
100
100
93
96
–
–
–
–
58
49
750
500
–
1,000
–
300
–
–
7
–
(1)
–
Union .......................................................................
Nonunion .................................................................
100
100
87
94
–
–
–
–
45
59
400
750
–
1,500
–
–
–
–
13
6
(1)
(1)
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
100
98
98
95
93
91
90
–
54
–
–
–
–
–
$200
–
–
–
–
59
44
58
59
55
54
800
–
950
–
500
500
1,200
1,000
1,500
1,500
1,000
1,000
–
–
500
–
250
250
–
–
–
–
–
–
–
–
5
7
9
10
–
–
(1)
(1)
(1)
(1)
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
92
93
92
–
57
–
–
–
–
53
36
59
750
–
–
1,500
1,500
–
1,000
–
–
–
–
–
8
–
8
(1)
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
100
100
100
94
98
95
100
100
80
86
85
–
–
34
–
–
21
–
–
–
–
–
–
–
–
–
–
59
61
61
58
53
59
58
59
–
750
1,500
950
–
500
–
–
1,200
1,500
3,000
1,500
660
–
1,500
1,000
–
–
–
–
–
–
–
750
–
–
–
–
–
–
–
–
6
–
–
–
–
16
14
15
(1)
–
–
–
–
4
–
–
Establishment characteristic
See footnotes at end of table.
Table 7. Fee-for-service plans: Type and amount of annual individual deductible, private industry workers, National Compensation Survey,
2011—Continued
(All workers participating in fee-for-service plans = 100 percent)
With deductible
With fixed deductible
Characteristics
Total
Total with
deductible
Total with
fixed
deductible
With variable deductible
Median
deductible
amount
Total with
variable
deductible
Median deductible amount
In-network
Out-ofnetwork
Other
deductible
With no
deductible
Not
determinable
Point-ofservice
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
100
100
100
100
100
100
100
100
100
84
93
93
95
92
94
93
92
100
–
–
–
–
–
–
–
–
30
–
–
–
–
–
–
–
–
$250
56
63
48
55
63
71
74
61
70
–
–
–
–
–
$500
500
–
–
–
$2,000
–
–
–
1,000
–
–
1,000
$950
–
–
–
250
–
250
250
–
–
–
–
–
–
–
–
–
–
16
–
–
–
8
–
6
8
–
–
–
–
–
1
( )
–
(1)
(1)
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
100
100
100
100
100
100
95
96
94
92
94
88
–
–
–
–
–
–
–
–
–
–
–
–
57
60
50
58
57
59
1,000
1,000
1,200
500
500
400
2,000
2,000
2,000
1,000
–
750
1,000
–
–
–
–
250
–
–
–
–
–
–
4
4
6
8
5
11
(1)
(1)
–
(1)
1
(1)
100
100
100
100
100
100
100
100
100
89
84
96
97
97
97
94
92
92
–
–
–
–
–
–
34
–
49
–
–
–
–
–
–
500
–
350
52
57
68
67
55
54
60
52
–
–
–
–
–
1,000
–
–
–
–
1,200
–
1,500
1,750
1,500
–
1,500
1,000
–
–
50
500
500
–
250
500
–
–
–
–
–
–
–
–
–
–
–
11
16
–
3
–
–
–
–
8
–
(1)
–
(1)
–
–
–
–
(1)
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1
2
Less than 0.5.
The categories are based on the average wage for each occupation surveyed, which may include workers
with earnings both above and below the threshold. The average wages are based on the estimates published in
the "National Compensation Survey: Occupational Earnings in the United States, 2010." See Technical Note for
more details.
NOTE: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were
reported or that data do not meet publication criteria. For definitions of major plans, key provisions, and related
terms, see the "Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 7. Standard errors for fee-for-service plans: Type and amount of annual individual deductible, private industry workers, National
Compensation Survey, 2011
With deductible
With fixed deductible
Characteristics
All workers ...............................................................
Total with
deductible
Total with
fixed
deductible
With variable deductible
Median
deductible
amount
Total with
variable
deductible
Median deductible amount
In-network
Out-ofnetwork
Other
deductible
With no
deductible
Not
determinable
Point-ofservice
0.6
–
–
1.8
$184
$232
–
–
0.6
0.1
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
1.1
2.0
1.2
1.6
9.6
0.9
1.0
1.2
1.1
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
2.6
3.1
3.4
4.7
11.0
2.6
3.6
3.1
4.8
–
–
–
–
0
29
39
171
166
328
–
–
214
313
265
0
313
–
$26
–
0
–
–
–
62
–
–
–
–
–
–
–
–
–
–
–
1.1
2.0
1.2
1.5
–
0.9
–
1.2
1.0
0.2
(1)
0.3
0.4
–
0.1
–
0.1
0.2
2.3
1.6
1.3
1.9
1.2
8.2
–
–
–
5.2
–
–
–
–
–
–
5.6
3.7
5.1
5.1
–
0
129
173
0
–
110
309
421
106
–
196
–
0
0
–
–
–
–
–
–
1.6
1.3
1.9
–
–
0.2
–
–
–
Full time ...................................................................
Part time ..................................................................
0.7
1.3
–
–
–
–
1.8
4.3
136
0
–
119
–
73
–
–
0.7
–
0.1
–
Union .......................................................................
Nonunion .................................................................
2.4
0.6
–
–
–
–
5.3
1.7
95
74
–
107
–
–
–
–
2.4
0.6
0.2
0.1
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
0.6
1.1
1.1
0.9
1.2
1.8
–
7.9
–
–
–
–
–
$17
–
–
–
–
5.5
7.6
2.8
2.5
2.6
3.9
145
–
211
–
0
78
237
210
347
353
10
81
–
–
117
–
0
48
–
–
–
–
–
–
–
–
1.1
0.9
1.1
1.7
–
–
(1)
0.1
0.2
0.4
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
1.4
4.7
1.6
–
6.7
–
–
–
–
3.3
5.3
4.2
208
–
–
413
196
–
250
–
–
–
–
–
1.3
–
1.6
0.1
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
0.9
0.7
3.0
0.2
0.2
5.2
2.8
2.8
–
–
5.3
–
–
4.4
–
–
–
–
–
–
–
–
–
–
2.0
3.2
5.7
3.9
9.7
6.6
3.7
3.2
–
107
59
272
–
85
–
–
188
181
410
29
194
–
316
123
–
–
–
–
–
–
–
180
–
–
–
–
–
–
–
–
0.8
–
–
–
–
4.4
2.8
2.8
0.1
–
–
–
–
3.0
–
–
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 7. Standard errors for fee-for-service plans: Type and amount of annual individual deductible, private industry workers, National
Compensation Survey, 2011—Continued
With deductible
With fixed deductible
Characteristics
Total with
deductible
Total with
fixed
deductible
With variable deductible
Median
deductible
amount
Total with
variable
deductible
Median deductible amount
In-network
Out-ofnetwork
Other
deductible
With no
deductible
Not
determinable
Point-ofservice
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
2.4
2.9
2.4
2.6
1.7
2.0
1.7
2.1
0.1
–
–
–
–
–
–
–
–
8.6
–
–
–
–
–
–
–
–
$20
3.7
6.1
5.1
7.4
3.4
6.2
4.3
3.9
8.6
–
–
–
–
–
$62
113
–
–
–
$393
–
–
–
132
–
–
282
$0
–
–
–
58
–
50
55
–
–
–
–
–
–
–
–
–
–
2.4
–
–
–
1.7
–
1.6
2.1
–
–
–
–
–
0.2
–
0.3
0.3
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
0.7
0.7
1.6
1.0
1.1
1.6
–
–
–
–
–
–
–
–
–
–
–
–
2.4
2.7
5.1
2.4
3.4
2.8
101
69
234
0
95
26
67
215
414
42
–
116
299
–
–
–
–
22
–
–
–
–
–
–
0.7
0.7
1.6
1.0
1.1
1.6
(1)
(1)
–
0.2
0.3
0.1
1.7
2.5
1.4
0.6
0.9
1.6
2.5
2.9
1.8
–
–
–
–
–
–
4.3
–
3.8
–
–
–
–
–
–
60
–
51
5.0
5.6
3.3
2.7
5.1
6.4
4.8
9.8
–
–
–
–
–
201
–
–
–
–
161
–
196
430
371
–
422
117
–
–
0
101
109
–
40
0
–
–
–
–
–
–
–
–
–
–
–
1.7
2.6
–
0.6
–
–
–
–
1.7
–
0.1
–
0.1
–
–
–
–
0.1
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1
2
Less than 0.05.
The categories are based on the average wage for each occupation surveyed, which may include
workers with earnings both above and below the threshold. The average wages are based on the estimates
published in the "National Compensation Survey: Occupational Earnings in the United States, 2010." See
Technical Note for more details.
NOTE: Dashes indicate that no data were reported or that data do not meet publication criteria. For
definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms"
at www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 8. Fee-for-service plans: Type and amount of annual family deductible, private industry workers, National Compensation Survey, 2011
(All workers participating in fee-for-service plans = 100 percent)
With deductible
With fixed deductible
Characteristics
Total
Total with
deductible
Total with
fixed
deductible
With variable deductible
Median
deductible
amount
Total with
variable
deductible
Median deductible amount
In-network
Out-ofnetwork
Other
deductible
With no
deductible
Not
determinable
Point-ofservice
100
89
–
–
56
$1,500
$3,000
–
–
11
(1)
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
100
100
100
100
100
100
100
100
100
89
87
90
88
86
89
92
87
90
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
60
54
64
62
80
53
55
51
48
1,500
1,500
–
1,500
3,000
1,500
1,500
1,500
2,000
3,000
3,000
–
2,400
3,600
3,000
3,000
3,000
4,000
$750
–
–
–
–
–
1,500
–
–
–
–
–
–
–
–
–
–
–
11
13
10
12
–
11
8
13
10
(1)
(1)
(1)
(1)
–
(1)
–
(1)
1
100
100
100
100
100
89
90
89
87
91
51
–
–
–
30
$600
–
–
–
1,500
–
55
58
56
61
–
–
1,500
2,000
–
–
4,000
2,400
–
2,100
–
3,000
–
3,000
1,500
–
–
–
–
–
–
10
11
13
9
–
(1)
–
–
–
Full time ...................................................................
Part time ..................................................................
100
100
89
82
–
–
–
–
57
49
1,500
1,500
3,000
2,300
–
750
–
–
10
18
(1)
–
Union .......................................................................
Nonunion .................................................................
100
100
78
90
–
–
–
–
44
58
900
1,500
1,500
3,000
–
–
–
–
22
9
(1)
(1)
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
100
89
76
92
88
87
87
–
32
–
–
–
–
–
–
–
–
–
–
59
44
57
57
54
53
1,600
1,500
2,000
1,500
1,200
1,000
3,000
–
3,450
3,000
2,400
2,000
–
–
–
1,500
–
–
–
–
–
–
–
–
–
–
8
11
13
13
–
–
(1)
(1)
(1)
(1)
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
86
82
86
–
47
–
–
–
–
50
36
55
–
1,500
2,000
3,000
3,600
3,000
3,000
–
3,000
–
–
–
14
–
14
(1)
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
100
100
100
90
94
94
93
100
80
84
84
–
–
33
–
–
21
–
–
–
–
–
–
–
–
–
–
58
60
61
58
53
59
57
57
1,500
–
4,500
2,000
–
1,500
1,500
1,500
3,000
3,000
–
3,000
–
–
3,000
2,900
800
–
–
–
–
–
–
1,500
–
–
–
–
–
–
–
–
10
6
–
–
–
16
16
16
(1)
–
–
–
–
4
–
–
All workers ...............................................................
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 8. Fee-for-service plans: Type and amount of annual family deductible, private industry workers, National Compensation Survey,
2011—Continued
(All workers participating in fee-for-service plans = 100 percent)
With deductible
With fixed deductible
Characteristics
Total
Total with
deductible
Total with
fixed
deductible
With variable deductible
Median
deductible
amount
Total with
variable
deductible
Median deductible amount
In-network
Out-ofnetwork
Other
deductible
With no
deductible
Not
determinable
Point-ofservice
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
100
100
100
100
100
100
100
100
100
83
90
85
87
92
94
93
91
95
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
55
61
48
55
63
71
74
61
70
–
–
–
–
$1,500
1,000
1,200
1,500
1,500
$3,000
2,900
–
4,000
3,600
2,000
2,000
4,000
2,400
$1,900
–
–
–
–
–
600
–
–
–
–
–
–
–
–
–
–
–
17
–
15
–
8
–
6
9
–
–
–
–
–
1
( )
–
(1)
(1)
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
100
100
100
100
100
100
90
90
89
88
90
86
–
–
–
–
–
–
–
–
–
–
–
–
55
59
47
57
57
58
2,500
–
2,400
1,200
1,500
900
4,500
4,500
4,800
2,100
3,000
1,600
–
–
3,000
–
1,500
–
–
–
–
–
–
–
10
10
11
12
10
14
(1)
(1)
–
(1)
1
(1)
100
100
100
100
100
100
100
100
100
88
79
93
97
92
93
89
85
84
–
–
–
–
–
–
32
–
42
–
–
–
–
–
–
$1,500
–
750
52
57
66
67
55
54
57
49
–
1,700
1,000
1,500
1,950
2,000
–
–
–
–
3,400
1,800
3,600
4,000
–
–
–
2,000
–
–
100
1,500
1,500
750
750
–
–
–
–
–
–
–
–
–
–
–
–
12
21
–
3
–
–
11
–
16
–
(1)
–
(1)
–
–
–
–
(1)
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1
2
Less than 0.5.
The categories are based on the average wage for each occupation surveyed, which may include workers
with earnings both above and below the threshold. The average wages are based on the estimates published in the
"National Compensation Survey: Occupational Earnings in the United States, 2010." See Technical Note for more
details.
NOTE: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were
reported or that data do not meet publication criteria. For definitions of major plans, key provisions, and related
terms, see the "Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 8. Standard errors for fee-for-service plans: Type and amount of annual family deductible, private industry workers, National
Compensation Survey, 2011
With deductible
With fixed deductible
Characteristics
All workers ...............................................................
Total with
deductible
Total with
fixed
deductible
With variable deductible
Median
deductible
amount
Total with
variable
deductible
Median deductible amount
In-network
Out-ofnetwork
Other
deductible
With no
deductible
Not
determinable
Point-ofservice
1.0
–
–
1.8
$44
$0
–
–
1.1
0.1
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
1.4
2.3
1.6
2.6
9.8
2.0
1.9
2.4
1.7
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
2.6
3.1
3.4
4.7
11.0
2.6
3.7
3.1
4.8
296
418
–
102
0
65
166
122
244
704
642
–
555
175
0
0
83
399
$158
–
–
–
–
–
434
–
–
–
–
–
–
–
–
–
–
–
1.5
2.3
1.7
2.6
–
2.0
1.9
2.4
1.8
0.2
(1)
0.3
0.4
–
0.1
–
0.1
0.2
2.5
1.9
1.9
2.6
2.1
7.9
–
–
–
4.6
$146
–
–
–
0
–
5.5
3.7
5.1
5.2
–
–
0
270
–
–
877
677
–
317
–
0
–
0
0
–
–
–
–
–
–
1.9
1.9
2.6
2.1
–
0.2
–
–
–
Full time ...................................................................
Part time ..................................................................
1.0
4.7
–
–
–
–
1.8
4.3
86
152
0
385
–
77
–
–
1.0
4.7
0.1
–
Union .......................................................................
Nonunion .................................................................
3.2
0.9
–
–
–
–
5.4
1.7
79
256
286
193
–
–
–
–
3.2
1.0
0.2
0.1
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
3.2
8.2
1.5
1.4
1.3
1.9
–
8.1
–
–
–
–
–
–
–
–
–
–
5.6
7.6
2.8
2.7
2.5
3.9
262
0
318
385
215
126
310
–
947
464
384
130
–
–
–
218
–
–
–
–
–
–
–
–
–
–
1.5
1.5
1.4
2.1
–
–
(1)
0.1
0.2
0.4
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
2.0
4.2
2.5
–
6.5
–
–
–
–
3.4
5.3
4.3
–
317
581
211
710
726
481
–
620
–
–
–
2.0
–
2.5
0.1
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1.3
1.5
3.0
2.6
0.2
5.2
2.8
2.8
–
–
5.3
–
–
4.4
–
–
–
–
–
–
–
–
–
–
2.0
3.2
5.7
3.9
9.7
6.6
3.7
3.2
83
–
926
114
–
139
209
114
0
501
–
616
–
–
28
263
232
–
–
–
–
–
–
360
–
–
–
–
–
–
–
–
1.4
1.5
–
–
–
4.4
2.8
2.8
0.1
–
–
–
–
3.0
–
–
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 8. Standard errors for fee-for-service plans: Type and amount of annual family deductible, private industry workers, National
Compensation Survey, 2011—Continued
With deductible
With fixed deductible
Characteristics
Total with
deductible
Total with
fixed
deductible
With variable deductible
Median
deductible
amount
Total with
variable
deductible
Median deductible amount
In-network
Out-ofnetwork
Other
deductible
With no
deductible
Not
determinable
Point-ofservice
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
2.6
3.4
3.9
5.1
1.7
2.0
1.7
2.1
3.7
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
3.7
6.3
5.1
7.4
3.4
6.2
4.3
3.9
8.6
–
–
–
–
$172
235
145
389
178
$0
116
–
640
981
75
172
1,132
501
$0
–
–
–
–
–
0
–
–
–
–
–
–
–
–
–
–
–
2.6
–
3.9
–
1.6
–
1.6
2.1
–
–
–
–
–
0.2
–
0.3
0.3
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
1.4
1.6
2.9
1.3
1.9
1.6
–
–
–
–
–
–
–
–
–
–
–
–
2.4
2.6
5.0
2.4
3.4
2.8
384
–
357
323
0
135
725
787
939
193
132
168
–
–
899
–
427
–
–
–
–
–
–
–
1.4
1.6
2.9
1.3
2.0
1.6
(1)
(1)
–
0.2
0.3
0.1
1.7
4.5
1.7
0.6
2.4
2.4
3.0
5.2
2.5
–
–
–
–
–
–
3.6
–
3.2
–
–
–
–
–
–
$198
–
31
5.0
5.6
3.6
2.7
5.1
6.6
4.9
9.4
–
466
225
81
508
512
–
–
–
–
544
316
762
581
–
–
–
470
–
–
0
146
0
184
42
–
–
–
–
–
–
–
–
–
–
–
–
1.7
4.6
–
0.6
–
–
3.0
–
2.5
–
0.1
–
0.1
–
–
–
–
0.1
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1
2
Less than 0.05.
The categories are based on the average wage for each occupation surveyed, which may include
workers with earnings both above and below the threshold. The average wages are based on the estimates
published in the "National Compensation Survey: Occupational Earnings in the United States, 2010." See
Technical Note for more details.
NOTE: Dashes indicate that no data were reported or that data do not meet publication criteria. For definitions
of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 9. Fee-for-service plans: Amount of annual individual deductible, private industry workers, National Compensation Survey,
2011
(All workers participating in fee-for-service plans = 100 percent)
Amount of annual deductible
Characteristics
Total
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
100
93
$200
$300
$500
$1,250
$2,250
7
(1)
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
100
100
100
100
100
100
100
100
100
92
92
92
93
87
94
97
92
94
250
250
–
200
500
–
200
250
200
300
300
300
250
–
350
350
350
275
600
500
–
500
1,000
500
500
750
–
1,500
1,260
1,500
1,000
–
1,500
1,150
1,500
1,250
2,300
2,300
2,100
2,000
2,000
2,250
2,100
2,250
2,500
8
8
7
7
–
6
–
7
6
(1)
(1)
(1)
(1)
–
(1)
–
(1)
1
100
100
100
100
100
95
93
94
92
97
150
–
200
250
–
200
–
300
300
250
300
1,000
500
1,000
500
–
1,500
1,250
1,250
1,000
2,000
2,500
2,000
2,500
1,500
–
7
6
8
–
–
(1)
–
–
–
Full time ...................................................................
Part time ..................................................................
100
100
93
96
200
–
300
200
600
350
1,350
–
2,400
1,250
7
–
(1)
–
Union .......................................................................
Nonunion .................................................................
100
100
87
94
–
250
200
350
300
750
500
1,500
1,250
2,400
13
6
(1)
(1)
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
100
98
98
95
93
91
90
–
–
250
200
200
200
300
200
350
300
250
250
500
250
–
–
500
500
1,000
–
1,500
1,500
1,200
1,000
2,000
1,250
2,400
2,500
2,000
2,000
–
–
5
7
9
10
–
–
(1)
(1)
(1)
(1)
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
92
93
92
200
–
250
300
200
–
–
500
1,000
1,350
2,000
1,300
2,500
2,500
2,250
8
–
8
(1)
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
100
100
100
94
98
95
100
100
80
86
85
200
200
250
200
150
–
300
300
300
300
–
350
200
300
500
500
500
500
–
500
–
500
–
950
1,250
1,200
2,500
1,000
1,000
1,200
1,400
1,500
2,000
2,500
3,000
2,500
1,500
1,500
2,000
2,000
6
–
–
–
–
16
14
15
(1)
–
–
–
–
4
–
–
All workers ...............................................................
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 9. Fee-for-service plans: Amount of annual individual deductible, private industry workers, National Compensation Survey,
2011—Continued
(All workers participating in fee-for-service plans = 100 percent)
Amount of annual deductible
Characteristics
Total
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
100
100
100
100
100
100
100
100
100
84
93
93
95
92
94
93
92
100
$300
400
200
200
–
200
200
–
200
$500
–
300
300
–
250
250
–
250
$950
1,000
500
500
1,000
500
450
1,000
–
$1,500
1,500
1,250
1,500
–
–
–
2,000
800
$2,000
2,000
2,000
2,000
2,500
–
1,500
2,500
1,000
16
–
–
–
8
–
6
8
–
–
–
–
–
(1)
–
(1)
1
( )
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
100
100
100
100
100
100
95
96
94
92
94
88
250
250
–
200
200
–
400
500
–
275
300
250
1,000
1,000
1,000
500
500
400
1,750
2,000
1,500
1,000
1,000
1,000
2,500
2,500
2,500
1,500
1,500
1,500
4
4
6
8
5
11
(1)
(1)
–
(1)
1
(1)
100
100
100
100
100
100
100
100
100
89
84
96
97
97
97
94
92
92
250
–
200
300
200
–
200
–
200
–
250
300
500
300
350
350
275
250
1,000
–
–
950
–
–
–
–
500
–
1,000
1,250
1,500
1,500
1,000
1,250
–
1,250
2,500
2,000
2,000
2,400
2,000
2,400
2,500
2,500
–
11
16
–
3
–
–
–
–
8
–
(1)
–
(1)
–
–
–
–
(1)
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Less than 0.5.
2 The categories are based on the average wage for each occupation surveyed, which may include
workers with earnings both above and below the threshold. The average wages are based on the
estimates published in the "National Compensation Survey: Occupational Earnings in the United States,
2010." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no
data were reported or that data do not meet publication criteria. For definitions of major plans, key
provisions, and related terms, see the "Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 9. Standard errors for fee-for-service plans: Amount of annual individual deductible, private industry workers, National
Compensation Survey, 2011
Amount of annual deductible
Characteristics
All workers ...............................................................
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
0.6
$0
$0
$84
$159
$346
0.6
0.1
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
1.1
2.0
1.2
1.6
9.6
0.9
1.0
1.2
1.1
62
23
–
0
136
–
53
74
0
10
38
17
20
–
14
20
18
48
152
143
–
34
0
102
0
220
–
189
150
364
0
–
318
223
105
359
364
261
479
166
301
342
552
322
71
1.1
2.0
1.2
1.5
–
0.9
–
1.2
1.0
0.2
(1)
0.3
0.4
–
0.1
–
0.1
0.2
2.3
1.6
1.3
1.9
1.2
31
–
0
46
–
0
–
0
26
34
42
69
140
229
0
–
390
210
242
0
441
621
400
377
28
–
1.6
1.3
1.9
–
–
0.2
–
–
–
Full time ...................................................................
Part time ..................................................................
0.7
1.3
6
–
0
28
163
42
214
–
354
234
0.7
–
0.1
–
Union .......................................................................
Nonunion .................................................................
2.4
0.6
–
43
0
34
33
164
138
236
243
231
2.4
0.6
0.2
0.1
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
0.6
1.1
1.1
0.9
1.2
1.8
–
–
0
25
0
0
59
51
20
18
26
40
53
0
–
–
0
0
241
–
148
129
139
219
451
289
407
116
49
204
–
–
1.1
0.9
1.1
1.7
–
–
( )
0.1
0.2
0.4
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
1.4
4.7
1.6
0
–
0
0
34
–
–
60
146
194
118
124
175
0
463
1.3
–
1.6
0.1
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
0.9
0.7
3.0
0.2
0.2
5.2
2.8
2.8
0
0
0
47
34
–
0
14
0
48
–
0
53
51
106
63
39
0
–
0
–
0
–
277
150
245
260
0
69
0
207
86
296
0
589
714
0
213
78
0
0.8
–
–
–
–
4.4
2.8
2.8
0.1
–
–
–
–
3.0
–
–
Worker characteristic
1
Establishment characteristic
See footnotes at end of table.
Table 9. Standard errors for fee-for-service plans: Amount of annual individual deductible, private industry workers, National
Compensation Survey, 2011—Continued
Amount of annual deductible
Characteristics
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
2.4
2.9
2.4
2.6
1.7
2.0
1.7
2.1
0.1
$65
69
10
57
–
51
0
–
50
$0
–
45
26
–
0
0
–
14
$258
52
10
81
164
54
96
106
–
$39
178
319
390
–
–
–
501
237
$169
220
310
329
100
–
0
100
0
2.4
–
–
–
1.7
–
1.6
2.1
–
–
–
–
–
0.2
–
0.3
0.3
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
0.7
0.7
1.6
1.0
1.1
1.6
73
56
–
10
19
–
106
129
–
49
0
0
0
0
95
0
0
33
303
245
388
0
0
0
0
0
193
0
44
0
0.7
0.7
1.6
1.0
1.1
1.6
(1)
(1)
–
0.2
0.3
0.1
1.7
2.5
1.4
0.6
0.9
1.6
2.5
2.9
1.8
13
–
42
39
8
–
29
–
33
–
45
31
0
58
70
50
54
0
194
–
–
115
–
–
–
–
114
–
63
42
319
119
86
315
–
101
116
299
222
305
262
675
537
675
–
1.7
2.6
–
0.6
–
–
–
–
1.7
–
0.1
–
0.1
–
–
–
–
0.1
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1
2
Less than 0.05.
The categories are based on the average wage for each occupation surveyed, which may
include workers with earnings both above and below the threshold. The average wages are
based on the estimates published in the "National Compensation Survey: Occupational Earnings
in the United States, 2010." See Technical Note for more details.
NOTE: Dashes indicate that no data were reported or that data do not meet publication criteria.
For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee
Benefit Terms" at www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 10. Fee-for-service plans: Amount of annual family deductible, private industry workers, National Compensation Survey, 2011
(All workers participating in fee-for-service plans = 100 percent)
Amount of annual deductible
Characteristics
Total
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
100
89
$500
$700
$1,500
$3,000
$5,000
11
(1)
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
100
100
100
100
100
100
100
100
100
89
87
90
88
86
89
92
87
90
500
500
500
500
–
600
600
500
400
750
750
750
600
–
750
700
800
600
1,500
1,500
–
1,500
3,000
1,500
1,500
1,600
1,500
3,000
3,000
3,750
3,000
–
3,000
3,000
3,000
3,000
5,000
5,000
5,000
–
4,000
5,000
5,000
4,800
5,250
11
13
10
12
–
11
8
13
10
(1)
(1)
(1)
(1)
–
(1)
–
(1)
1
100
100
100
100
100
89
90
89
87
91
400
600
500
600
400
–
1,000
750
800
–
700
2,000
1,500
2,000
1,500
–
3,500
3,000
3,000
2,000
5,000
6,000
4,500
–
–
–
10
11
13
9
–
(1)
–
–
–
Full time ...................................................................
Part time ..................................................................
100
100
89
82
500
450
750
600
1,500
750
3,000
1,950
5,000
3,000
10
18
(1)
–
Union .......................................................................
Nonunion .................................................................
100
100
78
90
300
500
400
750
700
1,500
1,500
3,000
3,000
5,000
22
9
(1)
(1)
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
100
89
76
92
88
87
87
600
500
600
500
400
400
750
500
800
750
600
600
1,500
800
2,000
1,500
1,000
1,000
3,000
–
3,000
3,000
3,000
2,500
5,000
–
5,000
5,250
4,800
4,500
–
–
8
11
13
13
–
–
( )
1
( )
(1)
(1)
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
86
82
86
500
400
600
750
–
900
1,500
–
2,000
3,000
4,000
3,000
5,000
5,000
–
14
–
14
(1)
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
100
100
100
90
94
94
93
100
80
84
84
500
500
600
700
400
–
600
500
700
700
1,000
700
495
750
1,000
1,000
1,500
1,500
3,000
1,500
–
1,500
–
1,800
3,000
3,000
5,000
2,300
–
2,400
3,000
3,000
5,000
5,000
7,500
5,000
3,000
3,000
4,200
4,500
10
6
–
–
–
16
16
16
(1)
–
–
–
–
4
–
–
All workers ...............................................................
Worker characteristic
1
Establishment characteristic
See footnotes at end of table.
Table 10. Fee-for-service plans: Amount of annual family deductible, private industry workers, National Compensation Survey,
2011—Continued
(All workers participating in fee-for-service plans = 100 percent)
Amount of annual deductible
Characteristics
Total
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
100
100
100
100
100
100
100
100
100
83
90
85
87
92
94
93
91
95
$700
–
500
400
–
500
500
–
500
$1,000
1,000
700
600
–
600
600
–
–
$1,900
1,900
1,500
–
2,400
1,000
1,000
2,500
–
$3,000
3,000
3,000
–
4,000
–
–
4,000
–
$4,500
4,500
5,250
5,250
5,000
4,000
–
5,000
3,000
17
–
15
–
8
–
6
9
–
–
–
–
–
(1)
–
(1)
1
( )
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
100
100
100
100
100
100
90
90
89
88
90
86
600
600
500
450
500
–
1,000
1,000
–
700
700
600
2,250
2,500
2,000
1,000
–
900
4,000
4,000
4,000
2,400
2,400
2,000
6,000
6,000
5,250
3,300
3,300
3,300
10
10
11
12
10
14
(1)
(1)
–
(1)
1
(1)
100
100
100
100
100
100
100
100
100
88
79
93
97
92
93
89
85
84
500
–
500
700
500
600
600
450
450
800
500
750
–
750
800
–
600
600
–
1,000
1,500
2,000
1,500
–
1,500
–
1,000
–
2,500
3,000
3,000
4,000
3,000
3,000
–
2,400
5,000
4,200
5,000
5,000
5,000
5,000
5,000
6,000
3,000
12
21
–
3
–
–
11
–
16
–
(1)
–
(1)
–
–
–
–
(1)
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Less than 0.5.
2 The categories are based on the average wage for each occupation surveyed, which may include
workers with earnings both above and below the threshold. The average wages are based on the
estimates published in the "National Compensation Survey: Occupational Earnings in the United States,
2010." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no
data were reported or that data do not meet publication criteria. For definitions of major plans, key
provisions, and related terms, see the "Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 10. Standard errors for fee-for-service plans: Amount of annual family deductible, private industry workers, National
Compensation Survey, 2011
Amount of annual deductible
Characteristics
All workers ...............................................................
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
1.0
$0
$64
$0
$0
$39
1.1
0.1
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
1.4
2.3
1.6
2.6
9.8
2.0
1.9
2.4
1.7
0
0
29
0
–
126
44
102
28
36
55
53
60
–
80
0
133
78
298
139
–
346
0
0
360
320
157
366
0
1,038
555
–
0
487
0
791
39
304
343
–
464
182
214
344
654
1.5
2.3
1.7
2.6
–
2.0
1.9
2.4
1.8
0.2
(1)
0.3
0.4
–
0.1
–
0.1
0.2
2.5
1.9
1.9
2.6
2.1
29
141
72
28
85
–
208
102
161
–
134
338
20
126
166
–
861
313
367
49
645
760
728
–
–
–
1.9
1.9
2.6
2.1
–
0.2
–
–
–
Full time ...................................................................
Part time ..................................................................
1.0
4.7
0
89
38
96
0
64
0
533
0
196
1.0
4.7
0.1
–
Union .......................................................................
Nonunion .................................................................
3.2
0.9
66
0
82
60
128
136
139
0
186
49
3.2
1.0
0.2
0.1
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
3.2
8.2
1.5
1.4
1.3
1.9
100
0
114
20
66
46
112
124
121
115
0
48
55
234
472
188
248
167
139
–
591
301
355
445
677
–
236
493
456
759
–
–
1.5
1.5
1.4
2.1
–
–
( )
0.1
0.2
0.4
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
2.0
4.2
2.5
103
12
0
31
–
130
331
–
0
0
739
20
701
832
–
2.0
–
2.5
0.1
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1.3
1.5
3.0
2.6
0.2
5.2
2.8
2.8
0
34
118
20
98
–
126
65
45
0
147
10
58
179
177
52
0
77
827
110
–
102
–
448
0
407
572
239
–
113
240
0
39
0
1,015
277
0
193
458
240
1.4
1.5
–
–
–
4.4
2.8
2.8
0.1
–
–
–
–
3.0
–
–
Worker characteristic
1
Establishment characteristic
See footnotes at end of table.
Table 10. Standard errors for fee-for-service plans: Amount of annual family deductible, private industry workers, National
Compensation Survey, 2011—Continued
Amount of annual deductible
Characteristics
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
2.6
3.4
3.9
5.1
1.7
2.0
1.7
2.1
3.7
$39
–
89
111
–
135
0
–
81
$268
266
152
115
–
147
71
–
–
$311
337
215
–
634
208
161
696
–
$78
379
531
–
1,195
–
–
978
–
$431
503
579
806
200
540
–
342
306
2.6
–
3.9
–
1.6
–
1.6
2.1
–
–
–
–
–
0.2
–
0.3
0.3
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
1.4
1.6
2.9
1.3
1.9
1.6
107
0
135
62
39
–
52
43
–
107
0
114
445
617
351
115
–
116
528
564
1,179
187
167
453
208
0
747
748
958
743
1.4
1.6
2.9
1.3
2.0
1.6
(1)
(1)
–
0.2
0.3
0.1
1.7
4.5
1.7
0.6
2.4
2.4
3.0
5.2
2.5
39
–
28
106
38
62
143
71
98
188
142
107
–
82
229
–
113
0
–
45
129
97
286
–
423
–
150
–
339
0
536
1,043
431
713
–
379
162
978
242
320
424
726
1,253
1,458
657
1.7
4.6
–
0.6
–
–
3.0
–
2.5
–
0.1
–
0.1
–
–
–
–
0.1
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1
2
Less than 0.05.
The categories are based on the average wage for each occupation surveyed, which may
include workers with earnings both above and below the threshold. The average wages are
based on the estimates published in the "National Compensation Survey: Occupational Earnings
in the United States, 2010." See Technical Note for more details.
NOTE: Dashes indicate that no data were reported or that data do not meet publication criteria.
For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee
Benefit Terms" at www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 11. Fee-for-service plans: Coinsurance percentage, private industry workers, National Compensation Survey, 2011
(All workers participating in fee-for-service plans with coinsurance = 100 percent)
Fixed coinsurance
Characteristics
All workers ...............................................................
Total
Variable coinsurance
Median coinsurance percentage
Median
coinsurance
percentage
With fixed
coinsurance
With variable
coinsurance
In-network
Out-ofnetwork
With other
coinsurance
Point-ofservice
100
–
–
85
80
60
90
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
100
100
100
100
100
100
100
100
100
–
12
–
–
–
–
11
–
–
–
80
–
–
–
–
80
–
–
88
88
87
86
97
86
89
84
84
80
80
80
80
80
80
80
80
80
60
60
60
60
60
60
60
60
60
90
85
100
100
100
90
90
90
90
–
–
–
–
–
–
–
–
–
100
100
100
100
100
–
–
19
14
25
–
–
80
80
80
85
84
81
86
75
90
80
80
80
85
70
60
60
60
60
90
90
90
80
90
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
100
100
–
–
–
–
86
81
80
80
60
60
90
100
–
–
Union .......................................................................
Nonunion .................................................................
100
100
–
–
–
–
69
88
90
80
70
60
100
90
–
–
Average wage within the following categories:1
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
100
12
–
–
–
–
–
75
–
–
–
–
–
88
78
88
83
85
87
80
80
80
80
85
85
60
60
60
60
60
60
90
–
90
90
90
90
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
11
–
10
80
–
80
89
91
90
80
85
80
60
70
60
90
–
80
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
100
100
100
–
14
–
–
–
27
21
16
–
80
–
–
–
80
80
80
85
86
95
91
92
73
79
84
80
80
80
80
90
90
80
80
60
60
60
60
65
60
60
60
90
90
90
90
–
90
90
90
–
–
–
–
–
–
–
–
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 11. Fee-for-service plans: Coinsurance percentage, private industry workers, National Compensation Survey,
2011—Continued
(All workers participating in fee-for-service plans with coinsurance = 100 percent)
Fixed coinsurance
Characteristics
Total
With fixed
coinsurance
Variable coinsurance
Median
coinsurance
percentage
Median coinsurance percentage
With variable
coinsurance
In-network
Out-ofnetwork
With other
coinsurance
Point-ofservice
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
100
100
100
100
100
100
100
100
100
14
18
24
–
–
–
–
–
–
80
80
80
–
–
–
–
–
–
86
82
76
77
91
89
90
92
90
80
85
90
90
80
90
80
80
80
60
60
65
70
60
70
60
60
60
80
85
85
–
100
100
100
100
–
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
100
100
100
100
100
100
14
11
19
–
–
–
80
80
80
–
–
–
86
89
81
85
85
85
80
80
80
80
80
80
60
60
60
60
60
60
90
90
90
90
90
90
–
–
–
–
–
–
100
100
100
100
100
100
100
100
100
–
–
9
–
–
–
9
–
17
–
–
80
–
–
–
80
–
80
77
78
91
91
84
87
91
79
83
85
90
80
80
80
80
80
80
80
60
70
60
60
60
60
60
60
60
100
100
100
80
90
90
85
90
90
–
–
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The categories are based on the average wage for each occupation surveyed, which may
include workers with earnings both above and below the threshold. The average wages are
based on the estimates published in the "National Compensation Survey: Occupational Earnings
in the United States, 2010." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals. Dashes indicate that
no data were reported or that data do not meet publication criteria. For definitions of major plans,
key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 11. Standard errors for fee-for-service plans: Coinsurance percentage, private industry workers, National
Compensation Survey, 2011
Fixed coinsurance
Characteristics
All workers ...............................................................
Variable coinsurance
Median coinsurance percentage
Median
coinsurance
percentage
With fixed
coinsurance
With variable
coinsurance
In-network
Out-ofnetwork
With other
coinsurance
Point-ofservice
–
–
1.3
0.0
0.0
0.0
–
Worker characteristic
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
–
1.8
–
–
–
–
2.5
–
–
–
0.0
–
–
–
–
0.0
–
–
1.4
1.8
1.9
3.3
2.1
1.9
2.5
2.1
4.8
1.0
5.0
1.0
0.0
0.0
0.0
0.0
0.0
3.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.0
6.0
3.3
7.3
0.0
0.0
0.0
0.0
0.0
0.0
–
–
–
–
–
–
–
–
–
–
–
3.1
3.4
4.8
–
–
0.0
0.0
0.0
6.6
6.1
3.1
3.4
4.8
5.6
0.0
5.0
1.0
8.9
0.0
0.0
0.0
0.0
4.5
14.1
2.0
8.3
3.9
3.9
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
–
–
–
–
1.4
4.3
0.0
0.0
0.0
0.0
0.0
0.0
–
–
Union .......................................................................
Nonunion .................................................................
–
–
–
–
5.3
1.3
3.8
0.0
1.7
0.0
0.0
0.0
–
–
Average wage within the following categories:1
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
3.3
–
–
–
–
–
6.3
–
–
–
–
–
3.3
9.0
2.2
2.4
1.8
2.3
0.0
0.0
0.0
0.0
2.8
6.5
0.0
0.0
0.0
0.0
0.0
0.0
7.8
–
0.0
0.0
8.0
12.1
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
2.5
–
2.7
0.0
–
0.0
2.5
3.8
2.7
5.3
6.7
4.0
0.0
12.6
0.0
12.4
–
13.9
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
–
2.4
–
–
–
7.3
4.7
2.7
–
0.0
–
–
–
8.8
1.0
6.8
1.6
2.4
2.1
3.0
5.1
7.3
4.7
2.7
0.0
0.0
7.3
0.0
6.6
0.0
5.6
6.6
0.0
0.0
0.0
3.9
7.8
11.6
0.0
0.0
0.0
0.0
10.9
0.0
–
0.0
0.0
6.2
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 11. Standard errors for fee-for-service plans: Coinsurance percentage, private industry workers, National
Compensation Survey, 2011—Continued
Fixed coinsurance
Characteristics
With fixed
coinsurance
Variable coinsurance
Median
coinsurance
percentage
Median coinsurance percentage
With variable
coinsurance
In-network
Out-ofnetwork
With other
coinsurance
Point-ofservice
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
3.6
4.1
4.7
–
–
–
–
–
–
6.4
0.0
0.0
–
–
–
–
–
–
3.6
4.1
4.7
7.4
2.0
4.9
3.6
2.4
4.9
0.0
3.4
0.0
0.0
0.0
11.7
0.0
0.0
0.0
0.0
0.0
8.1
3.3
0.0
3.3
10.9
0.0
0.0
9.2
9.1
0.0
–
6.9
0.0
11.8
7.7
–
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
2.5
2.0
5.6
–
–
–
0.0
0.0
0.0
–
–
–
2.5
2.0
5.6
1.5
2.1
2.3
0.0
0.0
9.6
0.0
0.0
5.6
0.0
0.0
9.2
0.0
0.0
0.0
0.0
0.0
11.3
1.0
5.6
4.6
–
–
–
–
–
–
–
–
1.7
–
–
–
2.4
–
4.4
–
–
0.0
–
–
–
5.3
–
0.0
7.5
4.5
1.7
2.7
2.8
6.7
2.4
8.8
4.4
9.4
2.2
0.0
0.0
0.0
0.0
0.0
0.0
2.8
6.8
8.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
11.2
9.7
5.2
9.0
7.8
15.3
0.0
–
–
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The categories are based on the average wage for each occupation surveyed, which
may include workers with earnings both above and below the threshold. The average
wages are based on the estimates published in the "National Compensation Survey:
Occupational Earnings in the United States, 2010." See Technical Note for more details.
NOTE: Dashes indicate that no data were reported or that data do not meet publication
criteria. For definitions of major plans, key provisions, and related terms, see the "Glossary
of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 12. Fee-for-service plans: Amount of annual individual out-of-pocket maximum, private industry workers, National
Compensation Survey, 2011
(All workers participating in fee-for-service plans = 100 percent)
Amount of out-of-pocket maximum
Characteristics
All workers ...............................................................
Total
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no out-ofpocket
maximum
Not
determinable
100
85
$1,000
$1,400
$2,000
$2,500
$3,500
13
2
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
100
100
100
100
100
100
100
100
100
86
89
84
82
84
87
90
85
90
1,000
1,000
1,000
1,000
1,000
1,000
1,250
1,000
1,000
1,400
1,500
1,250
1,500
1,000
1,500
1,650
1,500
1,300
2,000
2,000
2,000
2,000
–
2,000
2,000
2,000
1,850
2,500
2,500
2,500
3,000
–
2,500
2,600
2,500
2,500
3,000
3,200
3,000
4,650
3,750
3,600
3,600
3,600
–
14
11
16
12
–
12
–
14
9
(1)
(1)
(1)
5
–
2
–
2
1
100
100
100
100
100
86
93
82
79
84
1,000
1,000
1,000
700
1,000
1,375
–
1,000
1,000
1,300
1,850
1,800
1,750
1,750
1,750
–
2,300
2,500
2,500
2,500
7,000
3,000
3,500
3,700
3,500
–
–
16
17
15
–
–
2
3
(1)
Full time ...................................................................
Part time ..................................................................
100
100
86
82
1,000
1,000
1,350
1,500
2,000
1,750
2,500
2,500
3,500
3,600
13
17
2
2
Union .......................................................................
Nonunion .................................................................
100
100
78
86
–
1,000
1,000
1,500
1,750
2,000
–
2,500
–
3,500
19
12
3
1
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
100
84
84
86
86
85
85
1,000
–
1,000
1,000
1,000
1,000
1,650
2,000
1,500
1,250
1,300
1,450
2,150
2,425
2,000
2,000
1,900
2,000
2,900
–
2,500
2,500
2,500
2,500
4,400
–
3,600
3,500
3,250
–
–
–
12
13
15
15
–
–
2
1
1
(1)
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
86
90
83
900
–
–
1,000
1,375
1,000
1,800
2,100
1,700
2,500
–
2,250
4,000
7,000
3,350
12
–
14
2
–
2
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
100
100
100
85
88
80
92
92
85
77
76
1,000
1,000
–
1,250
–
–
1,000
1,000
1,500
1,500
1,500
1,650
1,250
1,000
1,500
1,500
2,000
2,000
2,000
1,850
1,500
1,500
2,500
2,250
2,500
2,500
3,000
2,750
2,200
2,500
2,800
2,750
3,500
3,600
3,500
3,600
3,250
3,500
3,850
3,850
13
10
–
6
–
–
23
24
1
2
–
2
–
–
(1)
(1)
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 12. Fee-for-service plans: Amount of annual individual out-of-pocket maximum, private industry workers, National
Compensation Survey, 2011—Continued
(All workers participating in fee-for-service plans = 100 percent)
Amount of out-of-pocket maximum
Characteristics
Total
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no out-ofpocket
maximum
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
100
100
100
100
100
100
100
100
100
74
91
85
82
84
77
82
85
89
$1,000
1,000
900
900
1,000
1,000
1,000
1,000
1,500
$1,500
1,500
1,000
–
1,400
1,250
1,250
1,400
2,000
$2,250
2,300
1,700
1,700
2,000
1,750
1,500
2,000
2,200
$2,500
2,900
2,100
2,000
2,450
2,500
2,000
2,400
3,000
$4,000
3,800
2,700
2,500
3,000
3,000
2,750
3,100
5,000
26
–
15
–
16
23
18
14
–
–
–
–
–
1
–
–
1
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
100
100
100
100
100
100
84
83
85
87
89
84
1,000
1,000
1,000
1,000
1,000
750
1,500
1,375
1,500
1,300
1,500
1,000
2,000
2,000
2,000
1,800
2,000
1,750
2,500
2,500
2,500
2,500
2,700
2,500
3,500
3,500
3,500
3,600
3,600
3,400
15
15
15
12
9
15
2
2
( )
2
2
1
100
100
100
100
100
100
100
100
100
82
65
88
94
89
95
89
80
90
1,000
–
1,000
1,000
1,000
–
1,150
1,000
900
1,500
1,000
1,000
1,500
1,500
1,250
1,500
1,500
1,250
2,000
1,650
1,750
2,000
2,000
1,650
2,000
1,900
1,850
2,500
2,500
2,400
2,600
2,500
2,500
2,750
2,500
2,500
3,350
3,000
3,250
3,500
4,000
4,400
3,700
4,000
3,500
18
35
11
–
10
–
–
–
–
(1)
(1)
1
–
1
–
–
–
–
1
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1
2
Less than 0.5.
The categories are based on the average wage for each occupation surveyed, which may include
workers with earnings both above and below the threshold. The average wages are based on the
estimates published in the "National Compensation Survey: Occupational Earnings in the United States,
2010." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no
data were reported or that data do not meet publication criteria. For definitions of major plans, key
provisions, and related terms, see the "Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 12. Standard errors for fee-for-service plans: Amount of annual individual out-of-pocket maximum, private industry
workers, National Compensation Survey, 2011
Amount of out-of-pocket maximum
Characteristics
All workers ...............................................................
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no out-ofpocket
maximum
Not
determinable
1.3
$0
$122
$0
$0
$145
1.2
0.5
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
1.9
1.9
2.9
3.8
10.4
2.0
2.7
2.3
2.1
73
20
173
253
0
0
31
0
0
177
58
174
212
0
0
72
172
261
0
0
183
34
–
0
95
56
203
55
0
243
325
–
130
180
111
90
116
281
63
905
831
238
408
261
–
1.9
1.9
3.0
2.3
–
1.9
–
2.2
2.1
0.1
0.1
0.1
3.3
–
0.7
–
0.9
0.4
5.6
2.1
2.8
3.8
4.0
181
0
157
177
0
154
–
103
0
126
305
315
97
207
114
–
297
100
200
137
169
179
195
503
209
–
–
2.4
3.0
4.0
–
–
1.7
3.0
0.1
Full time ...................................................................
Part time ..................................................................
1.3
4.7
0
206
107
20
0
166
0
261
174
453
1.2
4.7
0.6
0.9
Union .......................................................................
Nonunion .................................................................
3.1
1.3
–
0
276
163
166
0
–
0
–
104
3.0
1.2
1.2
0.6
Average wage within the following categories:1
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
4.7
6.8
2.2
1.8
1.8
2.9
91
–
0
0
55
145
85
587
156
99
83
187
141
521
156
142
121
80
376
–
20
0
0
0
658
–
162
20
329
–
–
–
1.9
1.8
1.8
2.9
–
–
1.2
0.5
0.2
0.1
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
2.4
5.1
3.2
185
–
–
98
129
0
178
503
89
126
–
246
326
785
357
2.1
–
2.8
1.4
–
1.9
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1.5
1.8
6.0
2.1
4.5
4.8
3.9
5.3
0
147
–
97
–
–
71
0
122
0
84
51
69
71
172
212
0
185
0
218
136
215
260
229
0
60
639
274
278
567
222
388
49
88
39
147
437
113
485
324
1.4
1.7
–
1.8
–
–
3.9
5.3
0.6
0.8
–
0.9
–
–
(2)
(2)
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 12. Standard errors for fee-for-service plans: Amount of annual individual out-of-pocket maximum, private industry
workers, National Compensation Survey, 2011—Continued
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no out-ofpocket
maximum
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
4.2
3.1
4.4
7.0
2.9
4.8
3.4
3.0
7.3
$98
0
118
126
164
0
0
231
383
$279
73
112
–
213
67
139
210
48
$364
230
152
131
222
235
59
212
464
$377
248
175
0
430
592
91
407
824
$292
735
106
364
349
0
324
543
1,146
4.2
–
4.4
–
2.9
4.8
3.4
3.0
–
–
–
–
–
0.4
–
–
0.5
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
2.2
2.8
3.9
1.5
2.2
1.8
0
0
85
86
0
186
124
201
70
92
34
194
0
0
20
125
359
132
0
0
110
0
210
72
389
342
815
130
74
291
1.9
2.4
3.9
1.4
1.9
1.8
0.9
1.3
0.1
0.7
1.2
0.1
4.3
4.1
2.1
3.7
2.6
2.4
4.3
8.3
2.3
0
–
0
0
28
–
265
0
122
420
0
265
74
0
205
20
192
116
80
220
173
0
0
366
0
258
130
62
312
243
333
236
131
306
415
48
109
153
458
417
676
513
382
398
307
4.2
4.3
2.1
–
2.6
–
–
–
–
0.5
0.3
0.2
–
0.5
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The categories are based on the average wage for each occupation surveyed, which may
include workers with earnings both above and below the threshold. The average wages are
based on the estimates published in the "National Compensation Survey: Occupational Earnings
in the United States, 2010." See Technical Note for more details.
2 Less than 0.05.
NOTE: Dashes indicate that no data were reported or that data do not meet publication criteria.
For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee
Benefit Terms" at www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 13. Fee-for-service plans: Amount of annual family out-of-pocket maximum, private industry workers, National Compensation
Survey, 2011
(All workers participating in fee-for-service plans = 100 percent)
Amount of out-of-pocket maximum
Characteristics
All workers ...............................................................
Total
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
out-ofpocket
maximum
Not
determinable
100
79
$2,000
$3,000
$4,000
$5,400
$7,500
20
2
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
100
100
100
100
100
100
100
100
100
81
83
80
72
84
81
85
79
77
2,000
2,000
2,000
2,125
3,000
2,000
2,500
2,000
2,000
3,000
3,000
3,000
3,000
3,000
3,000
3,300
2,900
2,500
4,000
4,000
4,000
4,000
–
4,000
4,000
4,000
3,500
5,400
5,100
5,500
6,000
–
5,500
6,000
5,300
5,000
7,500
7,500
7,500
8,900
7,150
7,700
7,500
8,000
6,500
18
17
19
23
–
17
–
19
22
(1)
(1)
(1)
5
–
2
–
2
1
100
100
100
100
100
60
87
75
74
78
1,800
2,000
2,000
1,900
2,000
2,000
2,500
2,600
–
2,850
3,100
4,000
3,500
3,200
4,000
3,900
5,000
5,000
5,400
5,000
–
6,500
7,200
7,500
7,100
–
–
23
23
22
–
–
2
3
(1)
Full time ...................................................................
Part time ..................................................................
100
100
79
73
2,000
2,500
3,000
3,300
4,000
4,000
5,400
4,500
7,500
6,000
19
26
2
2
Union .......................................................................
Nonunion .................................................................
100
100
60
82
1,500
2,000
2,000
3,000
3,400
4,000
4,800
5,500
5,500
7,500
37
17
3
1
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
100
76
60
81
80
77
77
2,700
3,500
2,000
2,000
2,000
2,000
3,300
4,000
3,000
2,800
2,900
2,900
4,200
4,500
4,000
4,000
4,000
4,000
7,000
–
5,400
5,000
5,300
5,400
8,900
10,000
7,500
7,150
7,000
6,900
–
–
17
19
22
23
–
–
2
1
1
1
( )
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
75
67
76
2,000
–
2,000
–
2,000
–
3,500
3,500
3,400
5,000
5,000
5,000
7,500
10,000
6,700
23
–
21
2
–
2
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
100
100
100
80
82
73
85
83
82
74
75
2,000
2,500
–
2,500
–
–
2,000
2,000
3,000
3,300
3,000
3,300
3,000
2,500
2,900
2,900
4,000
4,000
4,000
4,000
4,000
3,400
4,200
4,000
5,400
5,200
5,500
5,500
5,000
5,850
5,000
5,000
7,500
7,000
7,000
7,150
6,600
6,750
8,300
7,700
19
17
27
13
–
18
26
25
1
2
–
2
–
–
(1)
1
( )
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 13. Fee-for-service plans: Amount of annual family out-of-pocket maximum, private industry workers, National Compensation
Survey, 2011—Continued
(All workers participating in fee-for-service plans = 100 percent)
Amount of out-of-pocket maximum
Characteristics
Total
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
out-ofpocket
maximum
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
100
100
100
100
100
100
100
100
100
73
88
78
72
83
77
81
85
78
$2,000
2,000
2,000
2,000
2,000
2,000
2,000
2,000
4,000
$3,000
2,900
2,500
2,500
3,000
3,000
2,500
3,000
4,000
$4,800
4,000
3,250
3,300
4,000
3,900
3,500
4,000
4,400
$6,600
5,000
4,800
4,500
6,000
5,000
4,500
6,000
7,500
$8,300
7,000
6,600
5,400
7,500
6,000
6,000
7,500
9,000
27
–
22
28
16
23
19
14
–
–
–
–
–
1
–
–
1
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
100
100
100
100
100
100
75
75
77
81
83
80
2,000
2,000
2,500
2,000
2,000
1,800
3,000
2,700
3,000
3,000
3,000
2,500
4,000
4,000
4,050
4,000
4,000
3,800
5,400
5,000
5,500
5,300
5,400
5,200
7,500
7,400
8,000
7,500
7,500
7,500
23
23
23
17
15
19
2
2
( )
2
2
1
100
100
100
100
100
100
100
100
100
81
60
84
93
79
86
84
69
80
3,000
–
2,000
2,000
2,000
1,800
2,500
2,000
1,850
3,500
2,000
2,500
3,000
3,000
3,300
3,300
2,700
2,600
4,000
3,300
3,400
4,000
4,000
4,500
4,500
3,550
3,900
5,000
5,000
5,000
5,850
5,100
5,500
6,500
5,500
5,000
6,700
7,500
6,500
7,150
7,500
8,900
8,660
7,600
7,500
19
40
15
–
20
–
–
–
–
(1)
(1)
1
–
1
–
–
–
–
1
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Less than 0.5.
2 The categories are based on the average wage for each occupation surveyed, which may
include workers with earnings both above and below the threshold. The average wages are based on
the estimates published in the "National Compensation Survey: Occupational Earnings in the United
States, 2010." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no
data were reported or that data do not meet publication criteria. For definitions of major plans, key
provisions, and related terms, see the "Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 13. Standard errors for fee-for-service plans: Amount of annual family out-of-pocket maximum, private industry
workers, National Compensation Survey, 2011
Amount of out-of-pocket maximum
Characteristics
All workers ...............................................................
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
out-ofpocket
maximum
Not
determinable
1.8
$0
$39
$0
$325
$102
1.7
0.5
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
1.9
2.4
2.9
4.8
10.4
2.7
3.3
3.1
4.1
0
0
52
385
515
150
94
59
93
88
94
174
113
0
0
10
461
570
0
0
0
270
–
20
200
199
691
386
348
560
625
–
411
694
443
559
667
848
800
1,436
1,459
241
373
543
936
1.9
2.4
2.9
4.0
–
2.7
–
3.1
4.2
0.1
0.1
0.1
3.3
–
0.7
–
0.9
0.4
8.3
2.7
3.0
3.9
4.1
432
0
443
454
504
297
568
447
–
363
622
182
417
321
360
201
252
506
735
355
–
929
662
836
940
–
–
2.6
3.2
4.1
–
–
1.7
3.0
0.1
Full time ...................................................................
Part time ..................................................................
1.7
5.0
0
463
116
362
0
174
230
369
71
1,047
1.7
4.9
0.6
0.9
Union .......................................................................
Nonunion .................................................................
5.0
1.6
215
0
201
0
287
0
530
205
231
106
5.1
1.4
1.2
0.6
Average wage within the following categories:1
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
5.6
8.9
2.6
2.4
1.9
2.1
292
680
0
62
0
170
60
0
71
359
210
271
324
535
49
364
20
0
1,077
–
583
39
380
397
572
634
438
463
437
963
–
–
2.3
2.4
1.9
2.1
–
–
1.2
0.5
0.2
0.1
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
3.2
6.4
3.4
131
–
20
–
166
–
135
204
250
621
303
533
756
2,326
1,090
3.0
–
3.1
1.4
–
1.9
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1.8
2.6
6.0
3.8
9.9
5.1
3.8
5.2
0
250
–
124
–
–
0
78
0
333
0
0
287
241
112
312
0
0
139
663
212
653
382
124
322
272
587
479
1,037
613
704
193
165
149
1,008
433
113
264
729
223
1.8
2.6
6.0
3.8
–
5.1
3.8
5.2
0.6
0.8
–
0.9
–
–
2
( )
(2)
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 13. Standard errors for fee-for-service plans: Amount of annual family out-of-pocket maximum, private industry
workers, National Compensation Survey, 2011—Continued
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
out-ofpocket
maximum
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
4.2
3.6
4.4
6.2
2.9
4.8
3.6
3.0
8.4
$170
139
171
141
230
520
49
382
158
$468
98
245
507
355
139
625
439
55
$1,065
144
612
781
161
254
312
178
859
$1,156
39
446
471
1,109
1,119
397
1,004
1,453
$510
888
1,224
206
354
1,564
98
872
1,421
4.2
–
4.4
6.2
2.9
4.8
3.6
3.0
–
–
–
–
–
0.4
–
–
0.5
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
3.2
3.4
5.9
1.6
2.1
2.0
0
0
354
0
89
342
59
469
193
102
0
276
0
0
240
318
607
300
547
585
497
212
367
370
321
419
1,061
129
234
603
3.0
3.1
5.9
1.5
1.7
2.0
0.9
1.3
0.1
0.7
1.2
0.1
4.3
6.2
2.4
3.7
5.0
5.2
5.0
7.3
3.7
90
–
71
130
133
453
55
0
121
573
453
350
0
20
419
166
663
470
86
316
294
0
0
347
260
580
230
354
476
122
571
517
614
1,090
674
229
476
639
832
699
430
1,510
777
1,780
443
4.2
6.4
2.4
–
4.9
–
–
–
–
0.5
0.3
0.2
–
0.5
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The categories are based on the average wage for each occupation surveyed, which may
include workers with earnings both above and below the threshold. The average wages are
based on the estimates published in the "National Compensation Survey: Occupational Earnings
in the United States, 2010." See Technical Note for more details.
2 Less than 0.05.
NOTE: Dashes indicate that no data were reported or that data do not meet publication criteria.
For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee
Benefit Terms" at www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 14. Health maintenance organizations: Summary of selected features, private industry workers, National Compensation
Survey, 2011
(All workers participating in health maintenance organizations = 100 percent)
Annual deductible
Characteristics
Yes
Coinsurance
Not
determinable
No
Yes
Annual out-of-pocket maximum
Not
determinable
No
Yes
Not
determinable
No
37
63
(1)
17
83
–
70
30
(1)
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
35
29
39
22
–
48
69
41
39
64
70
61
78
98
52
31
59
61
(1)
1
–
–
–
1
( )
–
1
1
15
12
17
–
–
17
–
17
8
85
88
83
84
98
83
84
83
92
–
–
–
–
–
–
–
–
–
70
79
65
74
84
73
78
70
66
29
20
35
26
–
27
–
30
33
1
2
( )
–
–
1
( )
–
(1)
1
47
33
35
37
31
51
67
64
61
69
2
–
1
1
–
–
–
25
23
–
86
96
75
77
74
–
–
–
–
–
71
62
60
60
61
–
38
40
40
39
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
37
33
63
67
(1)
–
16
–
84
79
–
–
70
62
30
38
(1)
–
Union .......................................................................
Nonunion .................................................................
15
41
84
59
1
(1)
17
17
83
83
–
–
66
70
34
29
1
(1)
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
31
55
42
39
34
25
69
45
57
61
66
75
–
–
1
(1)
(1)
–
24
58
17
14
16
–
76
–
83
86
84
88
–
–
–
–
–
–
84
79
67
67
69
70
16
–
33
33
30
28
–
–
(1)
(1)
1
2
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
38
42
34
62
57
66
(1)
1
–
18
–
–
82
82
86
–
–
–
62
79
55
38
–
45
1
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
36
43
44
51
–
–
–
25
63
55
52
48
72
76
80
75
(1)
2
4
1
–
–
–
–
16
22
–
–
–
–
–
19
84
78
80
81
84
82
85
81
–
–
–
–
–
–
–
–
71
68
65
77
62
81
57
58
28
32
35
23
38
–
39
37
(1)
–
–
–
–
–
4
5
All workers ...............................................................
Worker characteristic
1
Establishment characteristic
See footnotes at end of table.
Table 14. Health maintenance organizations: Summary of selected features, private industry workers, National Compensation
Survey, 2011—Continued
(All workers participating in health maintenance organizations = 100 percent)
Annual deductible
Characteristics
Yes
Coinsurance
Not
determinable
No
Yes
Annual out-of-pocket maximum
Not
determinable
No
Yes
Not
determinable
No
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
29
–
49
58
34
41
25
–
–
71
73
51
–
66
59
75
69
76
–
–
–
–
–
–
–
–
–
–
–
–
39
11
–
–
–
–
74
80
77
61
89
94
95
88
89
–
–
–
–
–
–
–
–
–
57
79
79
92
64
66
53
63
86
43
–
–
–
36
34
47
37
–
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
48
51
41
25
23
26
51
49
57
75
77
74
1
–
3
1
( )
1
( )
(1)
17
17
–
17
18
16
83
83
84
83
82
84
–
–
–
–
–
–
72
73
71
66
77
56
27
26
29
33
23
44
1
1
( )
1
( )
(1)
(1)
50
46
26
–
66
–
–
52
17
50
53
74
77
34
75
–
48
83
–
1
–
–
–
–
–
–
1
–
–
15
–
17
–
–
33
–
90
80
85
85
83
67
70
67
89
–
–
–
–
–
–
–
–
–
45
51
66
–
64
70
82
82
90
55
47
34
61
–
–
–
–
–
–
2
–
–
–
–
–
–
–
1
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1
2
Less than 0.5.
The categories are based on the average wage for each occupation surveyed, which may
include workers with earnings both above and below the threshold. The average wages are based
on the estimates published in the "National Compensation Survey: Occupational Earnings in the
United States, 2010." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals. Dashes indicate that
no data were reported or that data do not meet publication criteria. For definitions of major plans,
key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 14. Standard errors for health maintenance organizations: Summary of selected features, private industry workers,
National Compensation Survey, 2011
Annual deductible
Characteristics
Yes
All workers ...............................................................
Coinsurance
Not
determinable
No
Yes
Annual out-of-pocket maximum
Not
determinable
No
Yes
Not
determinable
No
3.3
3.3
0.2
2.2
2.2
–
3.4
3.2
0.3
Worker characteristic
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
5.7
6.2
7.4
5.4
–
4.8
7.4
5.2
7.3
5.7
6.2
7.4
5.4
2.8
4.8
7.4
5.2
7.2
0.3
0.9
–
–
–
0.4
–
0.5
0.7
3.2
3.2
4.4
–
–
2.9
–
3.3
2.0
3.2
3.2
4.4
5.4
2.7
2.9
5.1
3.3
2.0
–
–
–
–
–
–
–
–
–
5.2
5.2
7.4
6.9
13.8
4.9
7.5
5.6
7.6
5.2
4.0
7.4
6.9
–
4.9
–
5.6
7.8
0.7
1.9
0.1
–
–
0.1
–
0.1
0.7
12.1
9.2
5.6
8.2
6.5
11.4
9.2
5.4
7.6
6.5
1.7
–
0.9
1.5
–
–
–
4.6
5.3
–
4.2
2.2
4.6
5.3
8.8
–
–
–
–
–
8.4
10.9
5.6
7.3
7.9
–
10.9
5.6
7.3
7.9
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
3.5
7.7
3.5
7.7
0.2
–
2.4
–
2.4
6.9
–
–
3.6
6.5
3.4
6.5
0.3
–
Union .......................................................................
Nonunion .................................................................
2.8
3.5
2.8
3.5
0.6
0.2
4.1
2.4
4.1
2.4
–
–
6.9
3.4
6.7
3.3
0.4
0.3
Average wage within the following categories:1
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
7.7
13.2
6.5
4.6
3.9
6.5
7.7
13.2
6.6
4.6
3.9
6.5
–
–
0.7
0.1
0.4
–
7.1
17.4
3.5
2.8
3.1
–
7.1
–
3.5
2.8
3.1
4.0
–
–
–
–
–
–
4.6
15.1
6.4
4.9
4.0
5.6
4.6
–
6.4
4.9
3.7
4.4
–
–
0.1
0.1
0.8
2.1
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
6.2
10.4
6.8
6.2
10.0
6.8
0.3
1.1
–
4.1
–
–
4.1
7.3
4.2
–
–
–
5.8
8.5
7.3
5.8
–
7.3
0.4
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
4.1
5.7
7.7
9.1
–
–
–
6.9
4.1
5.5
6.9
9.0
13.4
12.1
5.9
6.9
0.2
1.2
2.8
1.3
–
–
–
–
2.5
5.2
–
–
–
–
–
5.6
2.5
5.2
7.8
6.1
13.7
11.6
4.7
5.6
–
–
–
–
–
–
–
–
3.9
4.1
7.4
6.1
8.9
9.0
7.7
7.0
3.8
4.1
7.4
6.1
8.9
–
5.8
5.8
0.3
–
–
–
–
–
4.1
4.9
Establishment characteristic
See footnotes at end of table.
Table 14. Standard errors for health maintenance organizations: Summary of selected features, private industry workers,
National Compensation Survey, 2011—Continued
Annual deductible
Characteristics
Yes
Coinsurance
Not
determinable
No
Yes
Annual out-of-pocket maximum
Not
determinable
No
Yes
Not
determinable
No
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
7.3
–
11.9
12.8
8.0
10.9
4.5
–
–
7.3
13.7
11.9
–
8.0
10.9
4.5
10.1
10.4
–
–
–
–
–
–
–
–
–
–
–
–
10.8
2.9
–
–
–
–
11.2
6.4
8.6
10.8
2.9
3.2
1.8
3.8
6.6
–
–
–
–
–
–
–
–
–
7.5
11.0
8.4
5.4
8.4
8.9
5.2
10.5
8.8
7.5
–
–
–
8.4
8.9
5.2
10.5
–
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
4.6
5.8
8.2
3.0
5.1
4.1
4.6
5.8
8.6
3.0
5.2
4.1
0.4
–
1.6
0.1
0.2
(2)
3.3
4.1
–
2.3
4.1
3.2
3.3
4.1
5.6
2.3
4.1
3.2
–
–
–
–
–
–
4.3
5.8
7.3
4.5
5.7
4.9
4.3
5.9
7.2
4.4
5.6
4.8
0.6
0.8
0.1
0.1
0.3
(2)
6.0
5.6
4.4
–
9.2
–
–
7.9
4.2
6.0
5.2
4.4
11.1
9.2
11.3
–
7.9
4.2
–
0.7
–
–
–
–
–
–
0.5
–
–
3.1
–
4.6
–
–
5.4
–
5.7
6.3
3.1
8.6
4.6
15.9
16.8
5.4
3.6
–
–
–
–
–
–
–
–
–
8.2
11.9
3.7
–
12.0
14.8
6.2
5.9
4.5
8.2
10.2
3.7
14.1
–
–
–
–
–
–
1.9
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The categories are based on the average wage for each occupation surveyed, which may
include workers with earnings both above and below the threshold. The average wages are based
on the estimates published in the "National Compensation Survey: Occupational Earnings in the
United States, 2010." See Technical Note for more details.
2 Less than 0.05.
NOTE: Dashes indicate that no data were reported or that data do not meet publication criteria.
For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee
Benefit Terms" at www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 15. Health maintenance organizations: Amount of annual individual out-of-pocket maximum, private industry workers, National
Compensation Survey, 2011
(All workers participating in health maintenance organizations = 100 percent)
Amount of out-of-pocket maximum
Characteristics
Total
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no out-ofpocket
maximum
Not
determinable
100
70
–
$1,500
$1,900
$2,500
$3,500
30
(1)
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
100
100
100
100
100
100
100
100
100
70
79
65
74
84
73
78
70
66
$1,000
1,000
1,000
1,500
1,500
–
–
–
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,750
1,750
1,900
–
–
2,000
2,000
2,000
2,000
2,500
2,000
2,500
–
2,000
2,500
2,500
3,000
2,500
3,500
3,500
4,000
4,000
2,000
3,500
3,000
3,500
3,000
29
20
35
26
–
27
–
30
33
1
2
( )
–
–
(1)
–
(1)
1
100
100
100
100
100
71
62
60
60
61
–
1,500
500
500
–
1,500
2,000
1,500
–
1,500
–
2,000
1,500
1,500
1,500
3,000
2,500
2,500
2,500
–
–
2,500
3,000
2,500
3,500
–
38
40
40
39
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
100
100
70
62
–
1,000
1,500
1,500
2,000
1,500
2,500
–
3,500
4,000
30
38
(1)
–
Union .......................................................................
Nonunion .................................................................
100
100
66
70
–
1,500
1,500
1,500
–
2,000
2,250
2,500
–
3,500
34
29
1
(1)
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
100
84
79
67
67
69
70
1,500
–
1,500
–
1,000
1,000
1,500
2,000
1,500
1,500
1,500
1,500
1,750
2,000
2,000
1,900
1,500
1,500
2,000
2,500
3,000
3,000
2,500
2,500
–
3,000
4,000
3,500
3,500
3,000
16
–
33
33
30
28
–
–
(1)
(1)
1
2
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
62
79
55
–
–
–
1,500
1,500
1,500
1,500
–
1,500
2,500
3,000
2,250
3,000
4,000
2,500
38
–
45
1
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
100
100
100
71
68
65
77
62
81
57
58
–
500
500
–
1,500
–
1,000
1,000
1,500
1,500
–
1,500
1,500
1,500
1,500
–
2,000
1,500
1,500
–
1,500
–
1,750
1,750
2,500
2,000
–
2,000
1,500
3,500
–
–
4,000
3,000
–
3,000
1,500
3,500
3,500
3,500
28
32
35
23
38
–
39
37
(1)
–
–
–
–
–
4
5
All workers ...............................................................
Worker characteristic
1
Establishment characteristic
See footnotes at end of table.
Table 15. Health maintenance organizations: Amount of annual individual out-of-pocket maximum, private industry workers, National
Compensation Survey, 2011—Continued
(All workers participating in health maintenance organizations = 100 percent)
Amount of out-of-pocket maximum
Characteristics
Total
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no out-ofpocket
maximum
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
100
100
100
100
100
100
100
100
100
57
79
79
92
64
66
53
63
86
–
$1,000
1,500
1,500
–
–
1,000
–
1,500
$1,000
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
$1,500
2,000
2,000
2,500
1,750
2,000
–
–
1,850
$2,000
–
4,000
4,000
–
–
2,000
–
2,000
–
$3,500
4,000
4,000
3,500
3,000
2,500
3,500
3,000
43
–
–
–
36
34
47
37
–
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
100
100
100
100
100
100
72
73
71
66
77
56
1,500
1,500
–
1,000
1,500
–
1,500
1,500
1,500
1,500
1,500
–
2,000
2,000
1,500
1,500
1,500
1,500
3,000
3,000
–
2,000
2,000
2,250
4,000
4,000
3,500
3,000
2,500
4,000
27
26
29
33
23
44
1
1
( )
1
( )
(1)
(1)
100
100
100
100
100
100
100
100
100
45
51
66
–
64
70
82
82
90
1,000
–
1,500
–
1,500
500
1,500
1,500
1,500
1,500
1,500
1,500
–
2,000
–
1,500
1,750
1,500
2,000
–
1,500
–
2,000
–
–
2,500
1,500
2,000
2,500
2,000
–
3,000
2,000
–
3,000
3,000
2,000
3,500
2,500
–
4,000
2,000
4,000
4,000
3,500
55
47
34
61
–
–
–
–
–
–
2
–
–
–
–
–
–
–
1
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Less than 0.5.
2 The categories are based on the average wage for each occupation surveyed, which may include
workers with earnings both above and below the threshold. The average wages are based on the
estimates published in the "National Compensation Survey: Occupational Earnings in the United States,
2010." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no
data were reported or that data do not meet publication criteria. For definitions of major plans, key
provisions, and related terms, see the "Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 15. Standard errors for health maintenance organizations: Amount of annual individual out-of-pocket maximum, private
industry workers, National Compensation Survey, 2011
Amount of out-of-pocket maximum
Characteristics
All workers ...............................................................
With out-ofpocket
maximum
10th
percentile
50th
percentile
(median)
25th
percentile
75th
percentile
With no out-ofpocket
90th percentile
maximum
Not
determinable
3.4
–
$0
$190
$63
$537
3.2
0.3
Worker characteristic
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
5.2
5.2
7.4
6.9
13.8
4.9
7.5
5.6
7.6
$67
242
187
0
0
–
–
–
98
0
0
0
0
0
0
0
0
302
305
362
361
–
–
0
177
0
405
553
531
590
–
219
701
357
855
673
277
694
707
0
0
98
491
528
196
5.2
4.0
7.4
6.9
–
4.9
–
5.6
7.8
0.7
1.9
0.1
–
–
0.1
–
0.1
0.7
8.4
10.9
5.6
7.3
7.9
–
0
92
81
–
85
500
98
–
0
–
310
240
260
392
98
171
447
277
–
–
707
405
613
325
–
10.9
5.6
7.3
7.9
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
3.6
6.5
–
39
0
367
193
188
149
–
537
1,059
3.4
6.5
0.3
–
Union .......................................................................
Nonunion .................................................................
6.9
3.4
–
403
139
0
–
240
486
441
–
367
6.7
3.3
0.4
0.3
Average wage within the following categories:1
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
4.6
15.1
6.4
4.9
4.0
5.6
0
–
0
–
0
0
0
219
0
0
0
0
284
148
0
431
380
164
525
481
685
544
277
649
–
570
219
98
628
245
4.6
–
6.4
4.9
3.7
4.4
–
–
0.1
0.1
0.8
2.1
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
5.8
8.5
7.3
–
–
–
0
0
0
277
–
0
0
0
444
0
1,057
0
5.8
–
7.3
0.4
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
3.9
4.1
7.4
6.1
8.9
9.0
7.7
7.0
–
120
0
–
0
–
0
0
0
354
–
0
0
147
277
–
172
0
340
–
0
–
405
389
439
0
–
0
0
803
–
–
651
528
–
597
0
0
219
832
3.8
4.1
7.4
6.1
8.9
–
5.8
5.8
0.3
–
–
–
–
–
4.1
4.9
Establishment characteristic
See footnotes at end of table.
Table 15. Standard errors for health maintenance organizations: Amount of annual individual out-of-pocket maximum, private
industry workers, National Compensation Survey, 2011—Continued
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
With no out-ofpocket
90th percentile
maximum
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
7.5
11.0
8.4
5.4
8.4
8.9
5.2
10.5
8.8
–
$132
0
240
–
–
0
–
0
$139
271
0
364
0
0
260
0
0
$264
570
399
559
486
530
–
–
475
$367
–
754
951
–
–
98
–
0
–
$589
0
0
367
240
51
0
737
7.5
–
–
–
8.4
8.9
5.2
10.5
–
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
4.3
5.8
7.3
4.5
5.7
4.9
0
0
–
0
0
–
0
366
49
0
0
–
0
294
147
0
170
0
546
714
–
98
0
585
439
380
620
424
0
888
4.3
5.9
7.2
4.4
5.6
4.8
0.6
0.8
0.1
0.1
0.3
(2)
8.2
11.9
3.7
–
12.0
14.8
6.2
5.9
4.5
0
–
240
–
0
0
450
382
277
318
219
0
–
432
–
0
495
0
0
–
325
–
0
–
–
450
138
0
689
0
–
410
0
–
769
365
294
491
0
–
815
110
0
0
694
8.2
10.2
3.7
14.1
–
–
–
–
–
–
1.9
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The categories are based on the average wage for each occupation surveyed, which may
include workers with earnings both above and below the threshold. The average wages are based
on the estimates published in the "National Compensation Survey: Occupational Earnings in the
United States, 2010." See Technical Note for more details.
2 Less than 0.05.
NOTE: Dashes indicate that no data were reported or that data do not meet publication criteria. For
definitions of major plans, key provisions, and related terms, see the "Glossary of Employee
Benefit Terms" at www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 16. Health maintenance organizations: Amount of annual family out-of-pocket maximum, private industry workers, National
Compensation Survey, 2011
(All workers participating in health maintenance organizations = 100 percent)
Amount of out-of-pocket maximum
Characteristics
Total
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no out-ofpocket
maximum
Not
determinable
100
69
$3,000
$3,000
$4,000
$6,000
$8,000
30
(1)
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
100
100
100
100
100
100
100
100
100
70
78
65
74
84
72
78
70
66
2,500
–
3,000
3,000
3,000
3,000
–
3,000
3,000
3,000
3,000
3,000
3,000
3,000
3,000
3,000
3,000
3,000
4,000
3,500
4,000
4,450
–
4,000
4,000
4,000
6,000
6,000
6,000
6,000
–
–
6,000
5,000
6,000
–
8,000
7,000
8,000
8,000
6,000
8,000
7,000
8,000
7,500
30
20
35
26
–
28
–
30
33
1
2
( )
–
–
(1)
–
(1)
1
100
100
100
100
100
71
62
60
60
61
–
3,000
1,250
1,000
–
3,000
4,000
3,000
3,000
3,000
–
6,000
3,000
3,000
3,000
6,000
7,500
5,000
5,000
–
–
7,500
7,000
6,000
8,000
–
38
40
40
39
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
100
100
70
62
3,000
2,500
3,000
3,000
4,000
3,000
6,000
–
8,000
8,000
30
38
(1)
–
Union .......................................................................
Nonunion .................................................................
100
100
66
70
–
3,000
3,000
3,000
3,500
4,000
5,000
6,000
–
8,000
34
30
1
(1)
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
100
84
79
67
66
69
70
3,000
–
3,000
–
2,000
2,000
3,000
4,000
3,000
3,000
3,000
3,000
4,000
4,000
4,000
4,000
3,500
–
6,000
–
6,000
6,000
5,500
5,000
8,000
–
8,000
8,000
8,000
7,000
16
–
33
33
30
28
–
–
(1)
(1)
1
2
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
62
79
55
–
–
–
3,000
3,000
3,000
3,000
–
3,000
5,000
6,000
4,500
6,000
8,000
5,000
38
–
45
1
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
100
100
100
71
68
65
77
62
81
56
58
3,000
–
1,000
–
3,000
–
2,000
2,000
3,000
3,000
–
3,000
3,000
3,000
3,000
3,000
4,000
3,000
–
–
3,000
–
4,000
4,000
6,000
4,500
–
–
–
7,000
–
–
8,000
8,000
–
–
4,500
7,000
–
9,000
28
32
35
23
38
–
40
37
(1)
–
–
–
–
–
4
5
All workers ...............................................................
Worker characteristic
1
Establishment characteristic
See footnotes at end of table.
Table 16. Health maintenance organizations: Amount of annual family out-of-pocket maximum, private industry workers, National
Compensation Survey, 2011—Continued
(All workers participating in health maintenance organizations = 100 percent)
Amount of out-of-pocket maximum
Characteristics
Total
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no out-ofpocket
maximum
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
100
100
100
100
100
100
100
100
100
56
79
79
92
63
66
52
63
84
–
$2,000
3,000
3,000
3,000
–
2,000
3,000
3,000
–
$3,000
3,000
3,500
3,000
–
3,000
3,000
–
$4,000
–
5,000
5,000
4,000
4,000
3,800
–
4,500
$4,500
7,000
8,000
8,000
6,000
–
4,500
6,000
6,000
–
$9,000
8,000
8,000
7,000
6,000
5,000
7,000
6,000
44
–
–
–
37
34
48
37
–
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
100
100
100
100
100
100
72
73
71
66
77
56
3,000
3,000
–
2,400
3,000
–
3,000
3,500
3,000
3,000
3,000
3,000
4,500
5,000
3,000
3,000
3,000
–
7,000
7,000
6,000
4,500
4,500
–
8,000
8,000
8,000
8,000
6,000
8,000
27
26
29
34
23
44
1
1
( )
1
( )
(1)
(1)
100
100
100
100
100
100
100
100
100
45
51
66
–
64
70
82
81
89
2,000
–
3,000
–
3,500
1,500
3,000
3,000
3,000
3,000
3,000
3,000
–
4,000
–
3,000
4,000
3,000
4,000
–
3,000
–
5,000
–
–
5,000
4,000
4,000
5,000
4,500
–
6,000
–
–
7,500
6,000
–
8,000
5,000
–
9,000
6,000
8,000
8,000
8,000
55
47
34
61
–
–
–
–
–
–
2
–
–
–
–
–
–
–
1
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Less than 0.5.
2 The categories are based on the average wage for each occupation surveyed, which may include
workers with earnings both above and below the threshold. The average wages are based on the
estimates published in the "National Compensation Survey: Occupational Earnings in the United States,
2010." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no
data were reported or that data do not meet publication criteria. For definitions of major plans, key
provisions, and related terms, see the "Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 16. Standard errors for health maintenance organizations: Amount of annual family out-of-pocket maximum, private
industry workers, National Compensation Survey, 2011
Amount of out-of-pocket maximum
Characteristics
All workers ...............................................................
With out-ofpocket
maximum
10th
percentile
50th
percentile
(median)
25th
percentile
75th
percentile
90th
percentile
With no out-ofpocket
maximum
Not
determinable
3.4
$537
$0
$98
$0
$196
3.3
0.3
Worker characteristic
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
5.2
5.2
7.4
6.9
13.8
4.9
7.5
5.6
7.6
659
–
702
0
0
799
–
667
196
0
0
0
0
0
0
310
0
658
600
628
380
956
–
170
240
460
1,340
294
766
471
–
–
1,604
465
1,727
–
1,144
707
628
0
0
1,210
1,092
707
98
5.2
4.0
7.4
6.9
–
4.9
–
5.6
7.8
0.7
1.9
0.1
–
–
0.1
–
0.1
0.7
8.4
10.9
5.6
7.3
7.9
–
0
304
232
–
196
1,101
0
669
0
–
797
460
519
764
196
1,691
580
340
–
–
0
1,428
1,177
1,127
–
10.9
5.6
7.3
7.9
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
3.6
6.5
510
581
0
98
0
276
0
–
240
2,278
3.5
6.5
0.3
–
Union .......................................................................
Nonunion .................................................................
6.9
3.5
–
260
0
0
901
139
1,327
240
–
380
6.7
3.4
0.4
0.3
Average wage within the following categories:1
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
4.6
15.1
6.4
4.9
4.1
5.6
0
–
0
–
552
504
0
378
0
0
0
0
620
264
698
354
827
–
1,573
–
1,234
1,161
776
546
1,241
–
0
1,144
1,181
1,331
4.6
–
6.4
4.9
3.8
4.4
–
–
0.1
0.1
0.8
2.1
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
5.8
8.5
7.3
–
–
–
0
0
0
620
–
98
196
0
741
0
2,113
0
5.8
–
7.3
0.4
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
4.0
4.1
7.4
6.1
8.9
9.0
7.7
7.0
487
–
0
–
0
–
193
0
0
643
–
0
0
481
139
496
88
196
–
–
0
–
665
510
524
1,256
–
–
–
555
–
–
98
2,194
–
–
0
0
–
2,481
3.9
4.1
7.4
6.1
8.9
–
5.9
5.8
0.3
–
–
–
–
–
4.1
4.9
Establishment characteristic
See footnotes at end of table.
Table 16. Standard errors for health maintenance organizations: Amount of annual family out-of-pocket maximum, private
industry workers, National Compensation Survey, 2011—Continued
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no out-ofpocket
maximum
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
7.6
11.0
8.4
5.4
8.4
8.9
5.3
10.5
9.9
–
$396
0
340
0
–
0
0
0
–
$308
98
694
0
–
0
0
–
$450
–
946
694
623
0
1,131
–
326
$721
1,905
680
1,110
1,330
–
405
1,654
1,061
–
$2,387
0
0
240
747
270
0
0
7.6
–
–
–
8.4
8.9
5.3
10.5
–
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
4.3
5.8
7.3
4.6
5.7
5.0
0
0
–
718
0
–
170
460
98
0
0
240
694
340
325
276
832
–
1,316
1,020
966
537
546
–
367
294
1,225
1,602
503
0
4.3
5.9
7.2
4.5
5.6
5.0
0.6
0.8
0.1
0.1
0.3
(2)
8.2
11.9
3.7
–
12.0
14.8
6.2
5.9
4.9
0
–
310
–
809
0
899
0
98
0
340
0
–
0
–
98
1,173
0
0
–
687
–
663
–
–
196
1,167
0
1,348
971
–
1,204
–
–
1,755
1,373
–
1,788
819
–
374
0
0
0
754
8.2
10.3
3.7
14.1
–
–
–
–
–
–
1.9
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The categories are based on the average wage for each occupation surveyed, which may
include workers with earnings both above and below the threshold. The average wages are based
on the estimates published in the "National Compensation Survey: Occupational Earnings in the
United States, 2010." See Technical Note for more details.
2 Less than 0.05.
NOTE: Dashes indicate that no data were reported or that data do not meet publication criteria. For
definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit
Terms" at www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 17. High deductible health plans:1 Amount of annual individual deductible, private
industry workers, National Compensation Survey, 2011
(Includes workers participating in high deductible health plans)
Amount of annual deductible
Characteristics
All workers ...............................................................
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
$1,250
$1,500
$2,000
$2,500
$3,000
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
1,200
1,250
1,200
1,250
1,400
1,500
1,350
1,250
1,250
1,250
1,250
1,300
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,750
1,500
1,500
1,300
1,500
2,000
2,000
2,000
2,000
2,000
2,000
1,800
2,400
2,400
–
1,800
1,500
2,500
2,500
2,400
2,500
2,500
2,500
2,500
2,500
3,000
2,500
2,500
2,500
3,000
2,750
3,000
–
3,000
3,000
2,650
3,000
3,000
3,000
3,000
3,000
Full time ...................................................................
Part time ..................................................................
1,250
1,250
1,500
1,400
2,000
1,800
2,500
2,500
3,000
2,700
Union .......................................................................
Nonunion .................................................................
1,250
1,250
1,300
1,500
1,500
2,000
–
2,500
2,500
3,000
Average wage within the following categories:2
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
1,250
1,250
1,250
1,250
1,200
1,350
1,500
1,500
1,500
1,300
2,000
2,000
2,000
1,750
2,000
2,500
2,500
2,500
2,500
2,500
–
3,000
3,000
2,500
2,500
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
1,250
1,500
1,250
1,500
2,000
1,350
2,000
2,400
–
2,500
2,500
2,500
3,000
2,500
3,000
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1,250
1,250
1,500
1,250
1,200
1,200
1,200
1,500
1,500
1,500
1,500
1,200
1,260
1,300
2,000
2,500
2,500
–
1,250
1,500
1,500
2,500
2,500
2,500
2,500
–
2,000
2,000
3,000
3,000
3,000
3,000
2,100
2,500
2,500
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 17. High deductible health plans:1 Amount of annual individual deductible, private
industry workers, National Compensation Survey, 2011—Continued
(Includes workers participating in high deductible health plans)
Amount of annual deductible
Characteristics
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Healthcare and social assistance ....................
$1,200
1,200
1,300
1,250
1,250
$1,500
1,260
1,500
1,500
1,500
$1,500
1,500
1,750
2,000
2,000
$2,100
2,000
2,250
2,400
2,500
$2,500
2,500
2,500
3,000
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
1,250
1,500
1,250
1,200
1,250
1,200
1,500
1,500
1,500
1,300
1,300
1,300
2,000
2,000
2,000
1,500
1,500
1,500
2,500
2,500
2,500
2,400
2,400
2,400
3,000
3,000
3,000
2,700
3,000
2,600
1,350
1,250
1,250
1,250
1,500
1,200
1,260
1,500
1,250
–
1,500
1,300
1,500
1,500
1,250
1,500
2,000
1,250
2,400
2,000
2,000
1,750
2,000
2,300
2,000
–
1,500
2,500
2,500
2,500
2,500
2,300
2,500
3,000
3,000
2,500
3,000
–
2,500
–
2,500
3,000
3,000
3,000
3,000
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 A high deductible health plan (HDHP) is a health plan which
typically has a higher deductible and lower premium than a
traditional health plan. An individual plan must have a minimum
deductible of $1,200 to be classified as a HDHP. Normally the plan
includes catastrophic coverage to protect against large medical
expenses, but the insured is responsible for routine out-of-pocket
expenses.
2 The categories are based on the average wage for each
occupation surveyed, which may include workers with earnings
both above and below the threshold. The average wages are based
on the estimates published in the "National Compensation Survey:
Occupational Earnings in the United States, 2010." See Technical
Note for more details.
NOTE: Dashes indicate that no data were reported or that data do
not meet publication criteria. For definitions of major plans, key
provisions, and related terms, see the "Glossary of Employee
Benefit Terms" at www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 17. Standard errors for high deductible health plans:1 Amount of annual individual
deductible, private industry workers, National Compensation Survey, 2011
Amount of annual deductible
Characteristics
All workers ...............................................................
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
$0
$0
$0
$0
$0
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
67
22
49
0
180
147
174
268
175
0
0
269
201
116
261
152
0
0
0
318
298
245
206
0
245
0
329
0
167
432
430
465
352
–
505
141
240
28
468
0
0
0
87
694
522
39
422
0
346
439
402
–
345
147
447
0
0
0
0
410
Full time ...................................................................
Part time ..................................................................
0
71
0
261
0
445
0
0
0
294
Union .......................................................................
Nonunion .................................................................
10
0
271
0
0
0
–
0
0
0
Average wage within the following categories:2
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
0
31
156
64
0
209
0
0
152
74
572
0
49
182
425
294
104
0
20
28
–
0
0
214
303
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
17
353
0
169
88
156
104
296
–
98
0
669
0
392
392
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
0
186
0
0
0
10
22
0
20
393
417
0
61
163
36
325
0
–
137
0
0
0
68
701
68
–
0
94
88
0
0
555
600
42
72
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 17. Standard errors for high deductible health plans:1 Amount of annual individual
deductible, private industry workers, National Compensation Survey, 2011—Continued
Amount of annual deductible
Characteristics
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Healthcare and social assistance ....................
$69
14
243
196
165
$39
48
0
0
94
$198
0
214
201
208
$402
175
352
252
109
$93
104
680
675
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
311
100
86
46
63
10
0
0
102
58
95
53
0
0
280
0
34
0
0
0
284
256
301
410
0
0
196
369
615
321
150
0
31
148
175
28
189
193
33
–
193
189
0
0
329
0
286
182
446
325
548
447
237
479
572
–
126
193
0
34
78
391
446
432
546
421
572
–
466
–
586
399
0
0
680
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 A high deductible health plan (HDHP) is a health plan which
typically has a higher deductible and lower premium than a
traditional health plan. An individual plan must have a minimum
deductible of $1,200 to be classified as a HDHP. Normally the plan
includes catastrophic coverage to protect against large medical
expenses, but the insured is responsible for routine out-of-pocket
expenses.
2 The categories are based on the average wage for each
occupation surveyed, which may include workers with earnings
both above and below the threshold. The average wages are based
on the estimates published in the "National Compensation Survey:
Occupational Earnings in the United States, 2010." See Technical
Note for more details.
NOTE: Dashes indicate that no data were reported or that data do
not meet publication criteria. For definitions of major plans, key
provisions, and related terms, see the "Glossary of Employee
Benefit Terms" at www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 18. Outpatient prescription drug benefits:1 Type of coverage, private industry
workers, National Compensation Survey, 2011
(All workers participating in outpatient prescription drug plans = 100 percent)
Characteristics
All workers ...............................................................
Generic
drugs
Brand-name
drugs
Mail order
drugs
Coverage for
formulary drugs
100
99
84
79
Worker characteristic
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
100
100
100
100
100
100
100
100
100
98
98
98
100
99
99
98
99
99
88
87
88
83
73
83
82
84
77
85
86
85
72
71
82
78
83
66
100
100
100
100
100
100
99
99
99
99
66
83
84
83
85
60
70
77
76
78
Full time ...................................................................
Part time ..................................................................
100
100
99
100
85
78
80
71
Union .......................................................................
Nonunion .................................................................
100
100
100
99
84
84
67
82
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
100
99
99
99
98
99
99
81
58
85
82
87
90
73
–
82
79
81
85
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
100
100
100
82
68
85
74
67
75
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
100
100
100
99
99
96
100
93
100
99
99
85
78
69
75
94
96
93
94
81
83
72
86
82
90
84
88
Establishment characteristic
See footnotes at end of table.
Table 18. Outpatient prescription drug benefits:1 Type of coverage, private industry
workers, National Compensation Survey, 2011—Continued
(All workers participating in outpatient prescription drug plans = 100 percent)
Characteristics
Generic
drugs
Brand-name
drugs
Mail order
drugs
Coverage for
formulary drugs
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
100
100
100
100
100
100
100
100
100
98
100
100
100
97
100
100
97
99
90
96
86
82
86
82
79
87
92
89
87
81
84
79
82
82
78
76
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
100
100
100
100
100
100
98
99
98
99
99
99
77
77
79
90
87
94
73
70
80
85
82
88
100
100
100
100
100
100
100
100
100
100
99
99
100
99
99
96
100
100
92
86
83
81
80
87
87
82
87
91
82
72
85
78
83
86
81
76
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Outpatient prescription drug benefits include both
stand-alone drug plans and prescription drug benefits included
as part of a medical plan.
2 The categories are based on the average wage for each
occupation surveyed, which may include workers with earnings
both above and below the threshold. The average wages are
based on the estimates published in the "National
Compensation Survey: Occupational Earnings in the United
States, 2010." See Technical Note for more details.
NOTE: For definitions of major plans, key provisions, and
related terms, see the "Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 18. Standard errors for outpatient prescription drug benefits:1 Type of
coverage, private industry workers, National Compensation Survey, 2011
Characteristics
Generic
drugs
Brand-name
drugs
Mail order
drugs
Coverage for
formulary drugs
(2)
0.4
1.4
1.4
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
0.1
0.1
0.2
0.1
(2)
0.1
0.1
(2)
(2)
0.8
0.9
1.2
0.2
0.8
0.6
1.2
0.4
0.4
1.5
2.2
2.0
3.0
17.2
2.2
3.3
2.3
4.4
2.3
2.2
3.2
4.4
18.1
2.1
3.3
2.6
4.3
(2)
(2)
(2)
(2)
(2)
(2)
0.7
0.4
0.3
0.5
9.0
3.5
2.9
4.3
2.5
8.0
5.0
2.9
4.1
3.6
Full time ...................................................................
Part time ..................................................................
0.1
(2)
0.4
(2)
1.4
4.7
1.4
5.2
Union .......................................................................
Nonunion .................................................................
0.3
(2)
0.3
0.4
4.3
1.3
4.7
1.3
Average wage within the following categories:3
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
(2)
(2)
(2)
0.1
0.1
0.1
0.7
0.5
0.3
0.7
0.4
0.2
4.2
8.0
1.7
2.2
1.6
1.9
4.6
–
2.1
2.4
1.7
1.6
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
(2)
(2)
(2)
0.1
(2)
0.2
3.3
6.6
3.4
3.1
6.1
3.6
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
0.1
(2)
(2)
(2)
(2)
0.4
0.3
0.3
0.5
0.7
2.8
0.1
3.0
0.4
0.8
0.8
1.3
2.3
5.2
4.1
5.1
2.2
1.4
1.5
1.4
2.4
5.9
3.4
5.6
3.0
2.6
1.8
All workers ...............................................................
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 18. Standard errors for outpatient prescription drug benefits:1 Type of
coverage, private industry workers, National Compensation Survey,
2011—Continued
Characteristics
Generic
drugs
Brand-name
drugs
Mail order
drugs
Coverage for
formulary drugs
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
(2)
0.1
(2)
(2)
0.2
(2)
(2)
0.3
(2)
1.7
0.2
(2)
(2)
1.8
(2)
(2)
2.2
0.6
3.2
1.5
3.6
4.9
2.3
4.8
5.0
2.8
3.5
3.4
3.0
4.0
5.2
4.0
4.3
3.9
4.7
6.7
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
(2)
(2)
(2)
0.1
(2)
0.2
0.8
0.6
2.1
0.2
0.3
0.2
2.3
2.6
4.4
1.2
1.9
1.1
2.4
3.0
4.1
1.3
1.9
1.6
(2)
0.3
(2)
(2)
(2)
(2)
0.3
(2)
(2)
(2)
0.2
0.5
0.2
0.8
0.6
3.0
(2)
0.3
2.0
1.5
3.2
5.0
5.0
3.4
2.2
5.2
2.9
2.3
4.9
3.9
3.5
2.9
4.8
3.0
4.7
3.3
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Outpatient prescription drug benefits include both
stand-alone drug plans and prescription drug benefits included
as part of a medical plan.
2 Less than 0.05.
3 The categories are based on the average wage for each
occupation surveyed, which may include workers with earnings
both above and below the threshold. The average wages are
based on the estimates published in the "National
Compensation Survey: Occupational Earnings in the United
States, 2010." See Technical Note for more details.
NOTE: For definitions of major plans, key provisions, and
related terms, see the "Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 19. Outpatient prescription drug benefits:1 Copayment provisions, private industry workers, National Compensation
Survey, 2011
(All workers participating in outpatient prescription drug plans with a generic drug or brand-name drug provision = 100 percent)
Generic drugs2
Characteristics
Copayment
All workers ...............................................................
No
copayment
Brand-name drugs3
Median
copayment
per
prescription
Not
determinable
Copayment
No
copayment
Median
copayment
per
prescription
Not
determinable
84
14
2
$10
80
18
2
$30
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
86
86
86
85
60
85
86
85
77
13
12
14
13
–
12
11
12
21
1
2
( )
3
–
3
3
3
2
10
10
10
10
10
10
10
10
10
82
80
83
84
55
81
83
80
75
17
18
16
13
–
17
15
18
23
1
2
( )
3
–
2
2
2
2
25
25
25
30
25
30
30
30
30
82
74
82
80
83
15
25
16
18
14
3
2
2
2
3
10
10
10
10
10
86
69
77
75
80
–
30
21
24
17
–
1
2
2
3
25
30
25
25
30
Full time ...................................................................
Part time ..................................................................
84
82
14
16
2
1
10
10
81
77
18
21
2
1
30
30
Union .......................................................................
Nonunion .................................................................
78
85
21
13
1
2
10
10
78
81
21
17
1
2
25
30
Average wage within the following categories:5
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
87
79
85
82
84
87
11
–
13
16
14
12
1
–
2
3
1
1
10
10
10
10
10
10
83
72
81
79
80
82
15
26
17
19
18
18
2
2
2
2
1
1
30
30
30
30
25
25
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
83
87
81
15
13
17
2
–
3
10
10
10
78
87
73
20
–
24
2
–
3
25
30
25
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
84
85
75
89
76
88
81
84
14
12
16
10
23
12
15
11
2
2
8
(4)
1
(4)
4
5
10
10
10
10
–
10
10
10
81
82
76
83
68
82
69
69
17
16
18
16
31
18
28
27
2
2
6
(4)
1
(4)
3
4
30
30
30
30
–
25
30
30
Worker characteristic
4
4
Establishment characteristic
See footnotes at end of table.
Table 19. Outpatient prescription drug benefits:1 Copayment provisions, private industry workers, National Compensation
Survey, 2011—Continued
(All workers participating in outpatient prescription drug plans with a generic drug or brand-name drug provision = 100 percent)
Generic drugs2
Characteristics
Copayment
No
copayment
Brand-name drugs3
Median
copayment
per
prescription
Not
determinable
Copayment
No
copayment
Median
copayment
per
prescription
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
82
86
84
84
84
89
87
83
88
10
13
15
15
15
–
12
15
–
8
1
1
1
1
–
4
( )
2
–
$10
10
10
10
10
10
10
10
10
63
75
80
80
85
91
88
84
89
31
24
19
19
13
–
12
14
–
6
1
1
1
1
–
1
2
–
$30
30
25
25
30
25
25
30
25
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
83
81
86
85
85
85
15
16
12
13
13
14
3
3
1
1
2
1
10
10
10
10
10
10
81
78
87
80
81
79
17
20
12
18
17
20
2
3
1
1
2
1
30
30
30
25
25
25
86
85
75
86
85
83
89
84
88
–
–
23
14
12
17
–
–
12
–
–
2
4
( )
4
(4)
–
–
1
10
10
10
10
10
10
10
10
10
86
80
72
76
83
80
81
82
88
–
19
26
24
14
19
16
14
11
–
1
2
4
( )
3
(4)
3
4
1
25
30
30
30
30
30
30
30
25
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Outpatient prescription drug benefits include both stand-alone drug plans and prescription
drug benefits included as part of a medical plan.
2 All workers participating in an outpatient prescription drug plan with a generic drug provision
equals 100 percent.
3 All workers participating in an outpatient prescription drug plan with a brand-name drug
provision equals 100 percent.
4 Less than 0.5.
5 The categories are based on the average wage for each occupation surveyed, which may
include workers with earnings both above and below the threshold. The average wages are based
on the estimates published in the "National Compensation Survey: Occupational Earnings in the
United States, 2010." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no
data were reported or that data do not meet publication criteria. For definitions of major plans, key
provisions, and related terms, see the "Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 19. Standard errors for outpatient prescription drug benefits:1 Copayment provisions, private industry workers, National
Compensation Survey, 2011
Generic drugs
Characteristics
Copayment
All workers ...............................................................
No
copayment
Brand-name drugs
Not
determinable
Median
copayment
per
prescription
Copayment
No
copayment
Not
determinable
Median
copayment
per
prescription
1.2
1.1
0.4
$0
1.3
1.2
0.4
$0
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
1.9
2.2
2.6
3.3
16.4
2.0
2.7
2.3
4.0
1.9
2.0
2.6
3.0
–
1.8
2.2
2.3
3.9
0.2
0.7
0.1
0.9
–
0.8
1.8
0.6
0.8
0
0
0
0
1
0
0
0
0
1.9
2.5
2.6
3.1
16.2
2.3
2.9
2.7
4.2
1.9
2.4
2.6
2.9
–
2.2
2.5
2.6
4.0
0.3
0.7
0.1
0.9
–
0.6
1.6
0.5
0.7
2
1
5
2
3
0
0
0
0
4.3
5.5
3.0
4.5
3.0
4.0
5.6
2.9
4.4
2.5
1.7
0.8
1.0
1.0
1.7
0
0
0
0
0
5.0
5.4
3.2
4.5
3.4
–
5.4
3.1
4.5
2.9
–
0.5
1.0
1.1
1.8
7
0
3
0
5
Full time ...................................................................
Part time ..................................................................
1.2
3.2
1.1
3.3
0.4
0.6
0
0
1.3
3.9
1.3
3.9
0.4
0.6
0
6
Union .......................................................................
Nonunion .................................................................
3.0
1.2
3.0
1.1
0.7
0.4
0
0
3.1
1.3
3.1
1.3
0.7
0.4
4
0
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
2.3
6.7
1.9
1.8
1.6
2.0
2.3
–
1.9
1.7
1.6
2.0
0.4
–
0.6
0.7
0.5
0.2
0
0
0
0
0
0
3.0
7.7
1.9
2.0
1.7
2.0
3.0
7.6
1.8
1.9
1.7
2.0
0.4
1.1
0.6
0.6
0.5
0.2
0
2
0
1
0
0
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
3.0
3.6
3.9
2.9
3.6
3.7
0.8
–
1.1
0
0
0
3.2
4.0
4.2
3.1
–
4.0
0.8
–
1.1
2
2
0
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1.4
2.1
5.8
2.5
6.7
3.4
3.1
2.0
1.3
1.8
4.3
2.5
6.6
3.4
2.9
1.3
0.4
1.2
4.6
0.3
1.0
(3)
1.3
1.5
0
0
0
0
–
(4)
0
0
1.4
2.1
5.5
3.0
8.2
4.0
3.4
2.9
1.4
2.0
4.4
3.1
8.1
4.0
3.1
2.4
0.4
1.1
4.0
0.3
1.1
(3)
0.8
0.9
0
0
4
0
–
0
0
0
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 19. Standard errors for outpatient prescription drug benefits:1 Copayment provisions, private industry workers, National
Compensation Survey, 2011—Continued
Generic drugs
Characteristics
Copayment
No
copayment
Brand-name drugs
Not
determinable
Median
copayment
per
prescription
Copayment
No
copayment
Not
determinable
Median
copayment
per
prescription
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
3.4
2.9
3.1
3.3
3.6
3.8
3.4
4.2
4.7
1.8
2.8
3.0
3.2
3.5
–
3.4
4.2
–
2.7
0.6
0.6
1.0
0.6
–
0.3
0.7
–
$0
0
0
0
0
0
0
0
0
4.1
3.5
3.2
3.3
3.3
2.6
3.2
4.0
4.3
3.7
3.4
3.2
3.2
3.3
–
3.2
4.0
–
1.7
0.5
0.6
1.0
0.6
–
0.3
0.7
–
$0
0
1
1
2
5
2
2
5
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
1.7
2.0
3.3
1.7
2.4
1.9
1.6
1.9
3.3
1.6
2.3
1.9
0.7
0.9
0.9
0.3
0.5
0.4
0
0
0
0
0
0
1.8
2.2
2.9
1.9
2.7
2.3
1.7
2.1
2.8
1.8
2.6
2.3
0.6
0.8
0.9
0.4
0.5
0.4
0
2
1
0
0
0
6.6
4.6
3.6
2.2
2.1
4.3
3.0
3.4
3.1
–
–
3.6
2.3
1.9
4.2
–
–
3.0
–
–
0.6
0.5
1.7
0.2
–
–
0.3
0
0
0
0
0
0
0
0
0
6.2
5.0
4.0
2.6
2.4
5.2
4.2
3.6
3.2
–
4.7
4.0
2.8
2.1
5.2
3.6
4.0
3.0
–
0.5
0.6
0.5
1.6
0.2
1.4
2.4
0.3
4
6
5
0
1
0
0
0
0
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Outpatient prescription drug benefits include both stand-alone drug plans and prescription
drug benefits included as part of a medical plan.
2 The categories are based on the average wage for each occupation surveyed, which may
include workers with earnings both above and below the threshold. The average wages are based
on the estimates published in the "National Compensation Survey: Occupational Earnings in the
United States, 2010." See Technical Note for more details.
3
4
Less than 0.05.
Less than 0.5.
NOTE: Dashes indicate that no data were reported or that data do not meet publication criteria. For
definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit
Terms" at www.bls.gov/ncs/ebs/glossary20112012.htm.