Table 1. Medical care benefits: Plan type, private industry workers, National Compensation Survey, 2009
(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
Worker characteristic
All workers ........................................................................
100
79
3
62
7
6
(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
100
100
100
100
100
79
82
78
75
–
79
82
78
73
73
73
81
79
83
–
–
–
–
–
4
–
–
–
–
–
–
2
–
58
68
53
58
73
66
68
65
57
59
56
68
69
68
11
5
14
7
–
5
6
5
–
–
–
4
3
–
7
6
7
–
–
5
3
5
8
–
–
6
–
–
–
–
–
(1)
–
(1)
–
–
(1)
(1)
(1)
–
–
(1)
Full time ............................................................................
Part time ............................................................................
100
100
78
85
3
7
62
65
7
9
6
–
(1)
–
Union .................................................................................
Nonunion ...........................................................................
100
100
81
78
5
3
64
62
6
7
6
6
(1)
(1)
Average wage within the following categories:2
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
100
100
100
100
100
76
80
79
78
79
8
2
–
3
–
61
66
62
60
59
4
6
7
8
9
2
6
8
6
7
(1)
(1)
–
(1)
–
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
100
100
100
78
74
79
3
–
2
65
58
68
3
–
–
7
–
–
–
–
–
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Retail trade ................................................................
Transportation and warehousing ..............................
Information ....................................................................
Financial activities .........................................................
Finance and insurance ..............................................
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 ............
Health care and social assistance ............................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
79
82
78
85
83
83
84
83
88
85
85
69
66
59
70
3
2
–
2
–
2
3
3
–
–
–
–
–
–
–
61
70
67
64
61
66
64
57
73
69
72
44
51
47
43
8
6
5
–
–
5
6
8
–
–
–
16
–
9
17
6
–
–
–
–
10
11
16
–
–
–
–
–
–
–
(1)
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 1. Medical care benefits: Plan type, private industry workers, National
Compensation Survey, 2009—Continued
(All workers participating in medical care plans = 100 percent)
Health maintenance organization
Characteristics
Total
Traditional
Open
access
Not
determinable
Worker characteristic
All workers ........................................................................
21
18
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 .............................
21
18
22
25
–
21
18
22
27
27
27
19
21
17
18
16
18
21
–
17
14
18
22
24
20
15
17
13
3
2
4
5
–
4
–
4
–
–
–
4
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ............................................................................
Part time ............................................................................
22
15
18
13
4
–
–
–
Union .................................................................................
Nonunion ...........................................................................
19
22
16
18
–
4
–
–
Average wage within the following categories:2
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
24
20
21
22
21
20
17
16
19
18
–
3
5
4
3
–
–
–
–
–
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
22
26
21
19
24
17
–
–
–
–
–
–
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Retail trade ................................................................
Transportation and warehousing ..............................
Information ....................................................................
Financial activities .........................................................
Finance and insurance ..............................................
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 ............
Health care and social assistance ............................
21
18
22
15
17
17
16
17
12
15
15
31
34
41
30
17
13
17
–
17
15
14
15
–
13
13
25
25
26
25
4
5
–
–
–
2
–
–
–
–
–
6
9
15
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 1. Medical care benefits: Plan type, private industry workers, National Compensation Survey,
2009—Continued
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristics
Total
Total
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Traditional
Preferred
provider
organization
Point of
service plan
Exclusive
provider
organization
Not
determinable
100
100
100
100
100
100
76
76
74
81
82
79
4
5
–
2
2
2
61
61
62
63
70
55
5
5
–
9
6
13
6
6
–
6
4
9
(1)
(1)
1
(1)
–
(1)
100
100
100
100
100
100
100
100
100
64
77
82
90
77
91
90
80
65
–
5
–
4
3
–
–
4
–
49
55
72
74
62
69
74
59
49
–
10
6
–
6
–
–
–
8
–
–
3
–
6
–
–
–
–
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 ...............................................................................
See footnotes at end of table.
Table 1. Medical care benefits: Plan type, private industry workers, National
Compensation Survey, 2009—Continued
(All workers participating in medical care plans = 100 percent)
Health maintenance organization
Characteristics
Total
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Traditional
Open
access
Not
determinable
24
24
26
19
18
21
20
19
23
16
16
15
4
4
–
4
2
6
–
–
–
–
–
–
36
23
18
10
23
9
10
20
35
29
18
13
–
21
7
6
14
33
7
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 0.5 percent.
The categories are based on the average wage for each
occupation surveyed, which may include workers 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, 2008."
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/glossary20092010.htm.
Table 1. Standard errors for medical care benefits: Plan type, private industry workers, National
Compensation Survey, 2009
Fee-for-service plan
Characteristics
Total
Traditional
Preferred
provider
organization
Point of
service plan
Exclusive
provider
organization
Not
determinable
Worker characteristic
All workers ........................................................................
1.1
0.5
1.4
0.7
0.8
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 .............................
1.6
2.2
2.1
3.8
–
1.2
2.1
1.5
4.2
5.4
4.9
1.9
2.7
2.5
–
–
–
–
–
0.9
–
–
–
–
–
–
0.4
–
2.4
2.3
3.5
4.4
9.0
1.7
3.1
2.2
4.1
5.2
5.5
2.4
3.0
3.7
1.5
1.1
2.3
1.3
–
0.7
1.3
0.6
–
–
–
1.0
0.9
–
1.4
1.3
2.1
–
–
0.8
1.0
1.1
2.1
–
–
1.5
–
–
–
–
–
0.2
–
(1)
–
–
0.1
0.1
(1)
–
–
1
( )
Full time ............................................................................
Part time ............................................................................
1.1
2.7
0.5
2.1
1.4
3.5
0.6
2.5
0.8
–
0.1
–
Union .................................................................................
Nonunion ...........................................................................
2.0
1.2
0.9
0.6
2.5
1.6
1.2
0.7
1.0
0.9
(1)
0.1
Average wage within the following categories:2
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
2.7
1.9
1.7
1.6
1.6
2.2
0.4
–
0.7
–
3.9
2.1
2.4
1.7
2.8
1.1
1.0
1.2
1.0
1.8
0.6
1.1
1.5
1.0
1.5
0.1
(1)
–
0.3
–
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
2.2
5.0
2.7
0.8
–
0.3
2.2
5.3
3.0
0.8
–
–
1.7
–
–
–
–
–
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Retail trade ................................................................
Transportation and warehousing ..............................
Information ....................................................................
Financial activities .........................................................
Finance and insurance ..............................................
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 ............
Health care and social assistance ............................
1.3
2.2
2.9
3.1
4.1
1.9
1.6
2.7
3.2
1.9
2.9
3.7
4.3
3.6
4.2
0.6
0.5
–
0.5
–
0.5
0.6
0.9
–
–
–
–
–
–
–
1.7
2.4
3.4
4.9
6.0
2.7
2.8
3.6
3.8
4.2
5.8
3.9
5.0
3.9
4.2
0.8
1.2
1.2
–
–
1.2
1.5
2.2
–
–
–
2.1
–
0.9
2.3
0.9
–
–
–
–
2.0
2.1
3.2
–
–
–
–
–
–
–
0.2
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 1. Standard errors for medical care benefits: Plan type, private industry
workers, National Compensation Survey, 2009—Continued
Health maintenance organization
Characteristics
Total
Traditional
Open
access
Not
determinable
Worker characteristic
All workers ........................................................................
1.1
1.1
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 .............................
1.6
2.2
2.1
3.8
–
1.2
2.1
1.5
4.2
5.4
4.9
1.9
2.7
2.5
1.5
2.2
2.0
3.6
–
1.1
1.8
1.4
4.1
5.4
4.7
1.7
2.6
2.2
0.7
0.5
0.9
1.4
–
0.8
–
1.0
–
–
–
1.0
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ............................................................................
Part time ............................................................................
1.1
2.7
1.1
2.5
0.6
–
–
–
Union .................................................................................
Nonunion ...........................................................................
2.0
1.2
1.9
1.2
–
0.6
–
–
Average wage within the following categories:2
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
2.7
1.9
1.7
1.6
1.6
2.5
2.0
1.6
1.4
1.6
–
0.8
0.9
0.6
0.4
–
–
–
–
–
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
2.2
5.0
2.7
2.2
4.8
2.5
–
–
–
–
–
–
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Retail trade ................................................................
Transportation and warehousing ..............................
Information ....................................................................
Financial activities .........................................................
Finance and insurance ..............................................
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 ............
Health care and social assistance ............................
1.3
2.2
2.9
3.1
4.1
1.9
1.6
2.7
3.2
1.9
2.9
3.7
4.3
3.6
4.2
1.2
2.0
2.7
–
4.1
1.9
1.4
2.5
–
1.6
2.6
3.5
4.6
2.8
4.0
0.6
1.3
–
–
–
0.6
–
–
–
–
–
1.7
2.0
3.1
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 1. Standard errors for medical care benefits: Plan type, private industry workers, National
Compensation Survey, 2009—Continued
Fee-for-service plan
Characteristics
Total
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Traditional
Preferred
provider
organization
Point of
service plan
Exclusive
provider
organization
Not
determinable
2.0
2.3
3.4
1.3
1.9
1.8
1.1
1.5
–
0.3
0.4
0.4
2.5
2.8
3.8
1.9
2.6
2.0
1.0
1.1
–
0.9
1.3
1.2
1.2
1.6
–
0.9
1.0
1.4
0.3
0.2
0.8
(1)
–
(1)
2.2
1.8
2.4
2.9
2.8
2.1
2.2
3.7
3.8
–
1.1
–
1.1
0.8
–
–
0.8
–
7.8
2.2
2.6
3.4
3.4
5.5
5.4
4.3
3.4
–
2.0
1.3
–
1.2
–
–
–
1.5
–
–
0.9
–
1.4
–
–
–
–
0.5
–
–
1.4
0.1
–
0.6
0.1
–
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, 2009—Continued
Health maintenance organization
Characteristics
Total
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Traditional
Open
access
Not
determinable
2.0
2.3
3.4
1.3
1.9
1.8
2.1
2.4
3.0
1.1
1.7
1.1
0.7
1.0
–
0.7
0.5
1.4
–
–
–
–
–
–
2.2
1.8
2.4
2.9
2.8
2.1
2.2
3.7
3.8
3.0
2.3
1.8
–
2.9
2.2
1.4
2.0
4.0
1.9
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 0.05.
The categories are based on the average wage for each
occupation surveyed, which may include workers 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, 2008."
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/glossary20092010.htm.
Table 2. Medical care benefits: Plan characteristics, private industry workers, National Compensation Survey, 2009
(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
Worker characteristic
All workers ........................................................................
97
3
–
73
27
(1)
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 .............................
97
98
97
96
99
96
95
97
96
96
96
98
98
96
–
–
–
–
–
4
–
–
–
–
–
–
2
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
72
75
71
69
80
75
77
74
66
66
67
76
76
77
27
23
29
30
–
25
23
26
34
34
33
24
24
23
1
1
–
(1)
–
–
–
–
–
–
–
–
–
–
37
28
43
38
–
30
27
31
38
37
40
28
29
28
62
71
57
62
74
70
73
69
62
63
60
72
71
72
1
1
–
(1)
–
(1)
–
(1)
(1)
(1)
(1)
(1)
–
(1)
Full time ............................................................................
Part time ............................................................................
97
93
3
7
–
–
73
75
27
25
(1)
–
34
28
66
72
(1)
–
Union .................................................................................
Nonunion ...........................................................................
95
97
5
3
–
–
73
73
27
27
–
(1)
30
34
70
65
(1)
(1)
Average wage within the following categories:2
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
92
98
97
97
97
8
2
–
3
–
–
–
–
–
–
69
76
73
72
72
31
24
26
28
28
(1)
(1)
(1)
(1)
–
30
31
34
36
37
70
69
65
63
63
(1)
(1)
(1)
(1)
–
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
97
94
98
3
–
2
–
–
–
72
64
75
28
36
25
–
–
–
31
36
29
69
64
71
–
–
–
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Retail trade ................................................................
Transportation and warehousing ..............................
Information ....................................................................
Financial activities .........................................................
Finance and insurance ..............................................
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 ............
Health care and social assistance ............................
97
98
98
98
97
98
97
97
97
98
99
96
99
99
96
3
2
–
2
–
2
3
3
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
73
80
76
81
75
73
73
66
81
78
80
66
71
71
65
26
20
24
19
25
27
27
34
19
22
20
34
29
29
35
(1)
–
–
–
–
–
–
–
–
–
–
–
–
–
–
35
28
31
34
36
29
31
37
24
28
27
52
48
52
52
65
72
69
66
64
71
69
63
76
72
73
48
52
48
48
(1)
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 2. Medical care benefits: Plan characteristics, private industry workers, National Compensation Survey,
2009—Continued
(All workers participating in medical care plans = 100 percent)
Allow non-emergency services
outside network
Plan network
Require primary care physician
Characteristics
Yes
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Not
determinable
No
Yes
Not
determinable
No
Yes
Not
determinable
No
96
95
98
98
98
98
4
5
–
2
2
2
–
–
–
–
–
–
70
70
69
76
78
73
30
30
30
24
22
27
(1)
(1)
1
–
–
–
34
34
34
33
28
41
65
66
65
67
72
59
(1)
(1)
1
(1)
–
(1)
98
95
99
96
97
88
98
96
98
–
5
–
4
3
–
–
4
–
–
–
–
–
–
–
–
–
–
61
69
82
80
70
75
84
79
59
39
31
18
18
30
25
15
21
41
1
–
( )
1
(1)
–
1
–
–
48
41
26
20
34
19
20
37
49
51
59
74
79
66
81
79
63
51
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 percent.
The categories are based on the average wage for each occupation surveyed, which
may include workers 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, 2008." See Technical Note for more details.
1
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/glossary20092010.htm.
Table 2. Standard errors for medical care benefits: Plan characteristics, private industry workers, National
Compensation Survey, 2009
Allow non-emergency services
outside network
Plan network
Require primary care physician
Characteristics
Yes
No
Not
determinable
Yes
No
Not
determinable
Yes
No
Not
determinable
Worker characteristic
All workers ........................................................................
0.5
0.5
–
1.4
1.4
0.1
1.3
1.3
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 .............................
0.9
0.9
1.4
1.4
0.5
0.9
2.3
1.0
1.7
1.9
2.9
0.7
0.4
1.7
–
–
–
–
–
0.9
–
–
–
–
–
–
0.4
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
2.1
2.2
3.0
4.7
8.2
1.5
3.0
2.0
4.2
5.4
5.5
2.5
2.9
3.8
2.1
2.5
3.0
4.6
–
1.5
3.0
2.0
4.2
5.4
5.5
2.5
2.9
3.8
0.3
0.9
–
0.2
–
–
–
–
–
–
–
–
–
–
2.3
2.6
3.5
4.4
–
1.5
2.6
1.8
4.3
5.3
5.5
2.1
2.9
3.0
2.4
2.3
3.5
4.4
8.8
1.5
2.6
1.8
4.3
5.3
5.5
2.1
2.9
3.0
0.3
0.9
–
0.2
–
(1)
–
(1)
0.1
0.1
(1)
(1)
–
(1)
Full time ............................................................................
Part time ............................................................................
0.5
2.1
0.5
2.1
–
–
1.4
3.2
1.5
3.2
0.1
–
1.4
3.1
1.4
3.1
0.1
–
Union .................................................................................
Nonunion ...........................................................................
0.9
0.6
0.9
0.6
–
–
1.9
1.6
1.9
1.6
–
0.1
2.4
1.5
2.4
1.5
(1)
0.1
Average wage within the following categories:2
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
2.2
0.4
0.8
0.7
1.4
2.2
0.4
–
0.7
–
–
–
–
–
–
3.2
2.0
2.2
1.8
2.9
3.2
2.0
2.3
1.8
2.9
0.1
(1)
0.2
0.3
–
3.1
2.1
2.4
1.6
2.2
3.1
2.1
2.4
1.6
2.2
0.1
(1)
0.2
0.3
–
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
0.8
3.1
0.3
0.8
–
0.3
–
–
–
2.5
5.4
2.9
2.5
5.4
2.9
–
–
–
2.3
5.3
3.1
2.3
5.3
3.1
–
–
–
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Retail trade ................................................................
Transportation and warehousing ..............................
Information ....................................................................
Financial activities .........................................................
Finance and insurance ..............................................
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 ............
Health care and social assistance ............................
0.6
0.5
1.0
0.5
1.1
0.5
0.6
0.9
1.0
1.0
0.8
2.0
0.4
0.7
2.4
0.6
0.5
–
0.5
–
0.5
0.6
0.9
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1.6
2.4
2.8
4.7
4.4
2.3
2.3
3.3
3.0
3.6
4.8
4.1
4.5
3.1
4.6
1.6
2.4
2.8
4.7
4.4
2.3
2.3
3.3
3.0
3.6
4.8
4.1
4.5
3.1
4.6
0.2
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1.6
2.5
3.7
4.7
6.0
2.5
2.6
3.5
3.5
3.9
5.7
3.7
4.9
3.9
4.1
1.6
2.5
3.7
4.7
6.0
2.5
2.6
3.5
3.5
3.9
5.7
3.7
4.9
3.9
4.1
0.2
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 2. Standard errors for medical care benefits: Plan characteristics, private industry workers, National
Compensation Survey, 2009—Continued
Allow non-emergency services
outside network
Plan network
Require primary care physician
Characteristics
Yes
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
No
Not
determinable
Yes
No
Not
determinable
Yes
No
Not
determinable
1.1
1.5
0.8
0.3
0.4
0.4
1.1
1.5
–
0.3
0.4
0.4
–
–
–
–
–
–
2.6
3.1
3.8
1.4
1.9
1.5
2.7
3.1
3.6
1.4
1.9
1.5
0.3
0.2
0.8
–
–
–
2.3
2.5
3.9
1.8
2.5
2.0
2.3
2.5
4.0
1.8
2.5
2.0
0.3
0.2
0.8
(1)
–
(1)
1.7
1.1
0.4
1.1
0.8
6.1
1.8
0.8
0.9
–
1.1
–
1.1
0.8
–
–
0.8
–
–
–
–
–
–
–
–
–
–
8.9
2.9
2.1
3.6
3.2
5.9
3.7
2.8
3.9
9.0
2.9
2.1
4.0
3.2
5.9
3.8
2.8
3.9
0.5
–
(1)
1.4
0.1
–
0.6
–
–
6.1
1.8
2.5
4.2
3.2
3.4
4.0
4.2
4.0
6.4
1.8
2.5
4.0
3.2
3.4
4.0
4.2
4.0
0.5
–
(1)
1.4
0.1
–
0.6
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 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, 2008." 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/glossary20092010.htm.
Table 3. Medical care benefits: High deductible health plans,1 private industry
workers, National Compensation Survey, 2009
(All workers participating in medical care plans = 100 percent)
Characteristics
High deductible
health plans
Total
Non-high
deductible
health plans
Worker characteristic
All workers ........................................................................
100
15
85
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
100
100
100
100
100
16
24
12
7
14
12
15
20
24
17
13
16
10
84
76
88
93
86
88
85
80
76
83
87
84
90
Full time ............................................................................
Part time ............................................................................
100
100
15
7
85
93
Union .................................................................................
Nonunion ...........................................................................
100
100
5
16
95
84
Average wage within the following categories:2
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
100
100
100
100
100
12
14
16
14
16
88
86
84
86
84
Goods-producing industries ..............................................
Manufacturing ...............................................................
100
100
15
14
85
86
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Retail trade ................................................................
Financial activities .........................................................
Finance and insurance ..............................................
Credit intermediation and related activities ...........
Insurance carriers and related activities ...............
Professional and business services ..............................
Education and health services ......................................
Educational services .................................................
Junior colleges, colleges, and universities ............
Health care and social assistance ............................
100
100
100
100
100
100
100
100
100
100
100
100
14
11
11
25
24
19
33
17
10
4
6
11
86
89
89
75
76
81
67
83
90
96
94
89
Establishment characteristic
See footnotes at end of table.
Table 3. Medical care benefits: High deductible health plans,1 private industry
workers, National Compensation Survey, 2009—Continued
(All workers participating in medical care plans = 100 percent)
Characteristics
High deductible
health plans
Total
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Non-high
deductible
health plans
100
100
100
100
100
100
17
18
16
12
13
11
83
82
84
88
87
89
100
100
100
100
100
100
100
100
10
19
24
16
16
17
12
8
90
81
76
84
84
83
88
92
Geographic area
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 health plan
which typically has a higher deductible and lower premiums
than a traditional health plan. 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 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, 2008." 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/glossary20092010.htm.
Table 3. Standard errors for medical care benefits: High deductible
health plans,1 private industry workers, National Compensation
Survey, 2009
Characteristics
High deductible
health plans
Non-high
deductible
health plans
Worker characteristic
All workers ........................................................................
0.8
0.8
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 .............................
1.5
2.5
1.5
1.5
1.3
1.9
1.7
2.9
4.7
3.7
1.8
2.5
2.3
1.5
2.5
1.5
1.5
1.3
1.9
1.7
2.9
4.7
3.7
1.8
2.5
2.3
Full time ............................................................................
Part time ............................................................................
0.9
1.4
0.9
1.4
Union .................................................................................
Nonunion ...........................................................................
1.2
0.9
1.2
0.9
Average wage within the following categories:2
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
2.0
1.5
1.3
1.3
2.2
2.0
1.5
1.3
1.3
2.2
Goods-producing industries ..............................................
Manufacturing ...............................................................
2.0
2.2
2.0
2.2
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Retail trade ................................................................
Financial activities .........................................................
Finance and insurance ..............................................
Credit intermediation and related activities ...........
Insurance carriers and related activities ...............
Professional and business services ..............................
Education and health services ......................................
Educational services .................................................
Junior colleges, colleges, and universities ............
Health care and social assistance ............................
1.0
1.4
1.7
2.8
2.8
2.8
6.5
2.4
2.0
0.7
0.9
2.4
1.0
1.4
1.7
2.8
2.8
2.8
6.5
2.4
2.0
0.7
0.9
2.4
Establishment characteristic
See footnotes at end of table.
Table 3. Standard errors for medical care benefits: High deductible
health plans,1 private industry workers, National Compensation
Survey, 2009—Continued
High deductible
health plans
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Non-high
deductible
health plans
1.4
1.8
2.2
1.3
1.8
1.4
1.4
1.8
2.2
1.3
1.8
1.4
1.9
2.5
3.8
2.3
3.6
2.6
2.3
1.6
1.9
2.5
3.8
2.3
3.6
2.6
2.3
1.6
Geographic area
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
health plan which typically has a higher deductible
and lower premiums than a traditional health plan.
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 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, 2008." 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/glossary20092010.htm.
Table 4. Medical care benefits: Deductibles1 in high deductible health plans,2 private industry workers, National
Compensation Survey, 2009
(All workers participating in high deductible health plans = 100 percent)
Amount of annual individual deductible
Characteristics
Total
With annual
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Worker characteristic
All workers ........................................................................
100
100
$1,000
$1,250
$1,600
$2,000
$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 ...........
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
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
1,000
1,000
1,000
1,200
1,000
1,000
1,000
1,000
–
1,000
1,000
–
1,000
1,250
1,300
1,200
1,500
1,250
1,200
1,500
1,200
–
1,200
1,250
–
1,200
1,500
1,600
1,500
2,000
1,500
1,500
1,500
2,000
–
1,500
2,000
–
2,000
2,000
2,000
2,000
2,000
2,500
2,000
2,500
2,000
–
2,000
2,750
–
2,500
2,500
2,500
2,500
3,000
3,000
2,500
3,000
2,500
–
2,500
3,000
–
2,750
Full time ............................................................................
Part time ............................................................................
100
100
100
100
1,000
1,000
1,250
1,500
1,600
2,000
2,000
2,000
3,000
2,500
Union .................................................................................
Nonunion ...........................................................................
100
100
100
100
1,100
1,000
1,250
1,250
2,000
1,600
2,500
2,000
2,750
3,000
Average wage within the following categories:3
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
100
100
100
100
100
100
100
100
100
100
1,200
1,000
1,000
1,000
1,000
1,500
1,500
1,250
1,200
1,200
2,000
2,000
1,500
1,500
1,600
2,300
2,500
2,000
2,000
2,000
3,000
3,000
2,750
2,500
2,500
Goods-producing industries ..............................................
Manufacturing ...............................................................
100
100
100
100
1,000
1,000
1,200
1,000
1,650
1,500
2,000
2,000
2,500
3,000
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Retail trade ................................................................
Financial activities .........................................................
Finance and insurance ..............................................
Credit intermediation and related activities ...........
Insurance carriers and related activities ...............
Professional and business services ..............................
Education and health services ......................................
Educational services .................................................
Junior colleges, colleges, and universities ............
Health care and social assistance ............................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
1,000
1,000
1,000
1,000
1,000
–
1,000
1,250
1,000
–
1,000
1,050
1,500
1,250
1,000
1,200
1,100
–
1,100
1,500
1,500
–
1,200
1,500
1,600
1,500
1,500
1,500
1,500
–
1,300
2,000
2,000
–
1,500
2,000
2,000
2,300
2,000
2,000
2,000
–
1,600
2,500
2,000
–
1,500
2,000
3,000
3,000
2,500
2,500
2,500
–
2,500
2,500
2,000
–
2,000
2,000
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
100
100
100
100
100
100
100
100
100
100
100
100
1,000
1,100
1,000
1,000
1,000
1,000
1,500
1,500
1,200
1,200
1,250
1,100
2,000
2,000
2,000
1,500
1,500
1,500
2,000
2,000
2,000
2,000
2,500
1,800
3,000
2,750
3,000
2,750
3,000
2,500
Establishment characteristic
See footnotes at end of table.
Table 4. Medical care benefits: Deductibles1 in high deductible health plans,2 private industry workers, National
Compensation Survey, 2009—Continued
(All workers participating in high deductible health plans = 100 percent)
Amount of annual individual deductible
Characteristics
Total
With annual
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Geographic area
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
100
100
100
100
100
100
100
100
1 The deductible is the amount of covered expenses that an individual or family
must pay before any charges are paid by the medical care plan. Deductibles that apply
separately to a specific category of expenses, such as deductible for each hospital
admission, were excluded.
2 A high deductible health plan (HDHP) is health plan which typically has a higher
deductible and lower premiums than a traditional health plan. Normally the plan
includes catastrophic coverage to protect against large medical expenses, but the
insured is responsible for routine out-of-pocket expenses.
3 The categories are based on the average wage for each occupation surveyed,
100
100
100
100
100
100
100
100
$1,200
–
1,000
1,200
1,000
1,000
1,100
1,100
$1,250
–
1,200
1,500
1,200
1,250
1,500
1,200
$1,500
–
2,000
2,000
1,600
1,500
2,000
1,500
$2,500
–
2,000
2,000
2,000
2,500
2,000
2,000
$2,500
–
2,750
3,000
2,700
3,000
2,500
2,250
which may include workers 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, 2008." 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/glossary20092010.htm.
Table 4. Standard errors for medical care benefits: Deductibles1 in high deductible health plans,2 private
industry workers, National Compensation Survey, 2009
Amount of annual individual deductible
Characteristics
With annual
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Worker characteristic
All workers ........................................................................
(3)
$0.00
$122.14
$222.21
$185.11
$448.08
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 .............................
3
( )
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
0.00
19.62
0.00
142.85
33.99
21.94
113.57
29.43
–
0.00
27.75
–
113.14
140.47
291.69
69.09
49.05
224.36
120.16
288.37
268.68
–
316.99
250.51
–
249.35
96.12
241.31
0.00
0.00
19.62
0.00
244.48
98.11
–
460.16
83.82
–
169.93
0.00
49.05
55.50
294.32
607.55
114.41
230.71
546.24
–
612.68
408.06
–
197.19
69.37
89.38
97.12
376.40
149.75
0.00
98.11
357.12
–
628.19
679.71
–
271.71
Full time ............................................................................
Part time ............................................................................
(3)
(3)
0.00
126.40
107.92
162.69
221.12
432.34
235.46
0.00
422.32
291.03
Union .................................................................................
Nonunion ...........................................................................
(3)
(3)
100.53
0.00
271.35
132.35
0.00
198.17
254.89
135.94
169.93
469.07
Average wage within the following categories:4
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
(3)
(3)
(3)
(3)
(3)
241.11
65.08
0.00
0.00
19.62
0.00
193.00
113.99
43.87
116.50
98.11
0.00
198.89
103.83
100.05
613.31
298.86
437.54
0.00
0.00
0.00
392.43
325.83
0.00
324.94
Goods-producing industries ..............................................
Manufacturing ...............................................................
(3)
(3)
0.00
98.11
119.75
216.07
368.61
119.35
50.98
58.86
607.31
679.42
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Retail trade ................................................................
Financial activities .........................................................
Finance and insurance ..............................................
Credit intermediation and related activities ...........
Insurance carriers and related activities ...............
Professional and business services ..............................
Education and health services ......................................
Educational services .................................................
Junior colleges, colleges, and universities ............
Health care and social assistance ............................
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
24.03
0.00
0.00
85.53
0.00
–
89.92
340.14
146.18
–
0.00
158.80
184.59
194.98
367.74
86.09
49.05
–
19.62
43.87
166.49
–
468.35
166.49
270.11
585.69
0.00
0.00
0.00
–
251.47
478.22
681.47
–
0.00
629.26
406.17
470.51
0.00
88.30
216.73
–
285.19
169.93
0.00
–
0.00
0.00
383.75
622.42
366.03
440.06
197.19
–
409.71
659.00
179.83
–
0.00
196.21
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)
(3)
(3)
(3)
(3)
(3)
114.83
150.71
41.62
0.00
0.00
0.00
0.00
0.00
330.67
77.98
201.09
103.36
0.00
78.49
625.43
0.00
431.56
0.00
302.55
313.64
629.11
275.75
361.80
215.11
407.59
369.44
438.75
429.21
141.49
292.35
Establishment characteristic
See footnotes at end of table.
Table 4. Standard errors for medical care benefits: Deductibles1 in high deductible health plans,2 private
industry workers, National Compensation Survey, 2009—Continued
Amount of annual individual deductible
Characteristics
With annual
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Geographic area
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 The deductible is the amount of covered expenses that an individual or
family must pay before any charges are paid by the medical care plan.
Deductibles that apply separately to a specific category of expenses, such as
deductible for each hospital admission, were excluded.
2 A high deductible health plan (HDHP) is health plan which typically has a
higher deductible and lower premiums than a traditional health plan. Normally the
plan includes catastrophic coverage to protect against large medical expenses,
but the insured is responsible for routine out-of-pocket expenses.
3 Less than 0.05.
4 The categories are based on the average wage for each occupation
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
$62.82
–
19.62
50.98
0.00
0.00
126.78
166.20
$264.53
–
270.11
0.00
306.50
413.80
352.78
62.82
$421.57
–
238.70
241.31
470.91
399.00
389.78
0.00
$381.99
–
344.77
404.98
480.62
509.78
226.29
328.91
$0.00
–
143.18
138.74
558.78
98.11
495.61
138.74
surveyed, which may include workers 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, 2008." 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/glossary20092010.htm.
Table 5. Medical care benefits: Deductibles1 in non-high deductible health plans, private industry workers, National Compensation
Survey, 2009
(All workers participating in non-high deductible health plans = 100 percent)
Amount of annual individual deductible
Characteristics
Total
With annual
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
annual
deductible
Not
determinable
Worker characteristic
All workers ........................................................................
100
77
$200
$250
$400
$600
$1,000
23
(2)
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
100
100
100
100
100
77
78
76
73
79
82
77
75
80
70
77
73
82
200
150
200
200
200
–
200
150
150
–
200
–
200
250
250
250
250
250
–
250
250
200
–
250
–
250
400
350
400
500
500
–
400
450
300
–
400
–
350
600
550
750
500
650
–
500
500
500
–
600
–
750
1,000
1,000
1,000
1,000
1,000
–
1,000
1,000
1,000
–
1,000
–
1,000
23
22
24
27
21
18
23
25
20
30
23
27
18
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
–
(2)
2
( )
(2)
–
Full time ............................................................................
Part time ............................................................................
100
100
77
75
200
200
250
250
500
300
650
500
1,000
750
23
25
(2)
–
Union .................................................................................
Nonunion ...........................................................................
100
100
71
78
150
200
200
250
300
500
300
750
500
1,000
29
22
–
(2)
Average wage within the following categories:3
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
100
100
100
100
100
72
78
80
75
74
200
200
200
150
–
300
300
250
250
–
500
500
400
300
–
750
750
650
500
–
1,000
1,000
1,000
1,000
–
28
21
20
25
26
(2)
(2)
(2)
(2)
(2)
Goods-producing industries ..............................................
Manufacturing ...............................................................
100
100
76
76
200
–
250
–
400
–
500
–
1,000
–
24
24
(2)
(2)
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Retail trade ................................................................
Financial activities .........................................................
Finance and insurance ..............................................
Credit intermediation and related activities ...........
Insurance carriers and related activities ...............
Professional and business services ..............................
Education and health services ......................................
Educational services .................................................
Junior colleges, colleges, and universities ............
Health care and social assistance ............................
100
100
100
100
100
100
100
100
100
100
100
100
77
81
76
74
74
70
83
82
73
74
63
73
200
200
–
250
200
–
250
150
250
250
150
200
250
250
–
300
300
–
300
250
250
250
250
250
450
500
–
500
400
–
400
400
500
500
500
500
600
750
–
600
600
–
500
500
1,000
1,000
500
800
1,000
1,000
–
1,000
1,000
–
1,000
1,000
1,000
1,000
1,000
1,000
23
19
23
26
26
30
17
18
27
26
37
27
(2)
(2)
(2)
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 5. Medical care benefits: Deductibles1 in non-high deductible health plans, private industry workers, National Compensation
Survey, 2009—Continued
(All workers participating in non-high deductible health plans = 100 percent)
Amount of annual individual deductible
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Total
With annual
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
annual
deductible
Not
determinable
100
100
100
100
100
100
80
80
78
74
78
69
$200
200
250
150
150
150
$300
300
275
250
250
250
$500
500
500
300
300
300
$1,000
1,000
1,000
500
500
500
$1,000
1,000
1,000
750
750
750
20
19
22
26
22
31
(2)
(2)
1
(2)
–
(2)
100
100
100
100
100
100
100
100
70
79
91
79
89
90
82
64
–
150
–
250
250
200
–
–
–
250
–
300
300
300
–
–
–
300
–
500
500
500
–
–
–
500
–
750
1,000
750
–
–
–
1,000
–
1,000
1,000
1,000
–
–
30
21
–
21
10
9
17
36
(2)
–
–
2
( )
1
(2)
2
( )
–
Geographic area
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 The deductible is the amount of covered expenses that an individual or family must pay before any
charges are paid by the medical care plan. Deductibles that apply separately to a specific category of
expenses, such as deductible for each hospital admission, were excluded.
2 Less than 0.5 percent.
3 The categories are based on the average wage for each occupation surveyed, which may include
workers 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, 2008." 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/glossary20092010.htm.
Table 5. Standard errors for medical care benefits: Deductibles1 in non-high deductible health plans, private industry workers,
National Compensation Survey, 2009
Amount of annual individual deductible
Characteristics
With annual
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
annual
deductible
Not
determinable
Worker characteristic
All workers ........................................................................
1.0
$0.00
$0.00
$153.56
$166.08
$0.00
1.0
0.1
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 .............................
1.8
2.6
2.4
3.8
1.5
2.2
2.1
3.9
4.5
5.3
2.4
3.1
3.1
47.05
38.00
9.81
32.54
9.81
–
0.00
40.45
50.02
–
24.03
–
68.67
0.00
9.81
0.00
9.81
44.69
–
40.75
25.96
42.76
–
17.69
–
0.00
68.58
130.50
75.55
0.00
105.66
–
86.47
103.36
140.47
–
134.12
–
147.46
257.17
213.16
225.37
105.66
156.97
–
135.23
107.92
49.05
–
214.49
–
240.31
0.00
0.00
0.00
0.00
0.00
–
0.00
0.00
310.24
–
0.00
–
0.00
1.8
2.6
2.4
3.8
1.5
2.2
2.1
3.9
4.5
5.3
2.4
3.1
3.1
(2)
(2)
(2)
0.4
0.2
(2)
0.3
(2)
–
0.1
0.1
0.1
–
Full time ............................................................................
Part time ............................................................................
1.2
4.7
0.00
36.71
0.00
0.00
88.84
47.05
182.25
0.00
0.00
165.33
1.2
4.7
0.1
–
Union .................................................................................
Nonunion ...........................................................................
3.1
1.2
0.00
4.91
0.00
47.31
65.81
0.00
79.32
65.33
0.00
0.00
3.1
1.2
–
0.1
Average wage within the following categories:3
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
2.4
1.5
1.7
1.5
2.8
44.96
54.62
58.86
13.87
–
31.79
4.91
0.00
0.00
–
27.75
0.00
145.85
92.94
–
141.83
90.63
190.99
19.62
–
0.00
0.00
0.00
0.00
–
2.5
1.5
1.7
1.5
2.8
0.4
0.3
(2)
(2)
0.1
Goods-producing industries ..............................................
Manufacturing ...............................................................
2.4
3.0
10.97
–
47.05
–
139.15
–
243.14
–
0.00
–
2.4
3.0
(2)
0.1
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Retail trade ................................................................
Financial activities .........................................................
Finance and insurance ..............................................
Credit intermediation and related activities ...........
Insurance carriers and related activities ...............
Professional and business services ..............................
Education and health services ......................................
Educational services .................................................
Junior colleges, colleges, and universities ............
Health care and social assistance ............................
1.3
2.2
2.4
2.5
2.3
3.9
2.5
3.5
3.1
3.9
3.1
3.9
13.87
0.00
–
50.02
57.21
–
68.67
65.99
65.81
58.86
65.81
74.07
0.00
68.67
–
8.50
32.54
–
0.00
9.81
9.81
0.00
0.00
16.99
98.11
109.69
–
105.66
72.26
–
124.10
141.49
0.00
19.62
133.08
0.00
189.69
134.52
–
135.59
88.30
–
0.00
0.00
246.64
97.62
185.37
318.05
0.00
0.00
–
0.00
0.00
–
256.77
0.00
0.00
0.00
0.00
0.00
1.3
2.1
2.4
2.5
2.3
3.9
2.5
3.5
3.1
3.9
3.1
3.9
0.1
0.2
0.5
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 5. Standard errors for medical care benefits: Deductibles1 in non-high deductible health plans, private industry workers,
National Compensation Survey, 2009—Continued
Amount of annual individual deductible
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
With annual
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
annual
deductible
Not
determinable
2.0
2.4
2.8
1.4
2.0
1.8
$16.99
13.87
61.27
44.15
60.48
29.02
$0.00
0.00
43.60
0.00
0.00
0.00
$0.00
0.00
0.00
0.00
13.87
0.00
$0.00
0.00
100.53
0.00
0.00
0.00
$19.62
0.00
463.29
0.00
75.99
21.21
2.0
2.4
2.8
1.4
2.0
1.8
0.2
0.2
0.5
(2)
–
(2)
2.6
2.7
2.6
2.1
2.5
1.7
2.7
3.0
–
49.54
–
39.24
32.54
70.75
–
–
–
0.00
–
0.00
41.62
0.00
–
–
–
37.27
–
58.86
200.10
0.00
–
–
–
0.00
–
170.21
39.24
249.36
–
–
–
285.86
–
0.00
0.00
0.00
–
–
2.6
2.7
–
2.1
2.8
1.5
2.7
3.0
(2)
–
–
0.3
0.8
0.5
0.1
–
Geographic area
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 The deductible is the amount of covered expenses that an individual or family must pay before
any charges are paid by the medical care plan. Deductibles that apply separately to a specific
category of expenses, such as deductible for each hospital admission, were excluded.
2 Less than 0.05.
3 The categories are based on the average wage for each occupation surveyed, which may
include workers 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, 2008." 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/glossary20092010.htm.
Table 6. Fee-for-service plans: Summary of selected features, private industry workers, National Compensation Survey, 2009
(All workers participating in fee-for-service plans = 100 percent)
Annual deductible1
Characteristics
Yes
Coinsurance2
Not
determinable
No
Yes
Annual out-of-pocket maximum3
Not
determinable
No
Yes
Not
determinable
No
Worker characteristic
All workers ........................................................................
93
7
(4)
75
25
(4)
80
18
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 .............................
93
96
92
87
98
94
96
93
92
94
89
93
92
94
7
4
8
12
–
6
4
7
–
–
–
7
8
–
(4)
(4)
(4)
(4)
–
(4)
(4)
(4)
–
–
–
(4)
(4)
–
76
78
75
74
62
79
79
78
67
65
69
73
75
72
24
22
25
26
–
21
20
21
33
35
31
26
25
27
–
–
–
–
–
(4)
(4)
(4)
–
–
–
(4)
–
1
80
85
77
76
68
84
83
84
77
77
76
79
79
80
18
13
22
24
–
15
17
15
23
23
23
19
19
18
2
2
1
1
–
1
(4)
1
1
–
1
2
2
2
Full time ............................................................................
Part time ............................................................................
93
86
7
–
(4)
–
75
82
25
–
(4)
–
80
78
18
21
1
1
Union .................................................................................
Nonunion ...........................................................................
84
94
16
6
–
(4)
66
77
34
23
–
(4)
69
82
30
17
1
1
Average wage within the following categories:5
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
90
93
94
92
92
10
7
6
7
8
(4)
(4)
(4)
(4)
(4)
81
73
75
75
74
19
27
25
25
26
–
(4)
(4)
(4)
–
80
81
81
79
78
19
17
18
20
21
1
2
1
1
1
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
92
91
91
8
–
9
(4)
–
(4)
75
69
75
25
31
25
–
–
–
82
85
81
17
15
18
1
–
1
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Retail trade ................................................................
Transportation and warehousing ..............................
Information ....................................................................
Financial activities .........................................................
Finance and insurance ..............................................
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 ............
Health care and social assistance ............................
93
95
94
95
97
92
90
86
95
95
96
89
95
92
88
7
5
6
–
–
8
10
14
–
–
–
11
5
8
12
(4)
–
–
–
–
–
–
–
–
–
–
–
–
–
–
75
75
81
69
74
79
81
79
87
74
73
70
78
70
69
24
24
19
31
26
21
19
21
13
26
27
30
22
30
31
(4)
1
–
–
–
–
–
–
–
–
–
–
–
–
–
80
83
85
76
85
81
81
81
83
78
78
75
79
75
74
19
16
15
24
13
17
17
19
12
21
22
23
21
25
24
1
1
–
–
2
2
2
4
( )
5
1
–
2
–
–
2
Establishment characteristic
See footnotes at end of table.
Table 6. Fee-for-service plans: Summary of selected features, private industry workers, National Compensation Survey,
2009—Continued
(All workers participating in fee-for-service plans = 100 percent)
Annual deductible1
Characteristics
Yes
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Coinsurance2
Not
determinable
No
Yes
Annual out-of-pocket maximum3
Not
determinable
No
Yes
Not
determinable
No
97
96
97
89
92
85
3
4
–
10
8
14
(4)
–
–
4
( )
–
(4)
75
75
76
75
75
76
24
25
24
25
25
24
(4)
(4)
(4)
–
–
–
80
79
82
81
83
78
19
20
17
18
16
20
1
1
1
1
1
2
86
87
93
95
94
96
97
95
91
–
13
7
–
–
–
2
5
9
–
–
–
–
–
–
4
( )
4
( )
–
58
47
82
87
77
74
85
87
81
42
53
18
–
23
26
15
–
19
–
(4)
1
–
4
( )
–
–
–
–
61
56
86
86
83
89
87
77
89
39
42
12
–
15
10
12
20
11
1
2
2
–
2
1
1
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 The deductible is the amount of covered expenses that an individual or family must pay before
any charges are paid by the medical care plan. Deductibles that apply separately to a specific
category of expenses, such as deductible for each hospital admission, were excluded.
2 Represents the initial coinsurance in plans that have 100 percent coverage after the individual
pays a specified dollar amount toward expenses. For example, the plan pays 80 percent until the
individual’s out-of-pocket expenses reach $1,000, and then coverage is 100 percent.
3 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a
participant or a family must pay after the deductible has been satisfied. Once reached, covered
expenses are fully reimbursed for the rest of the year.
4 Less than 0.5 percent.
5 The categories are based on the average wage for each occupation surveyed, which may
include workers 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, 2008."
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/glossary20092010.htm.
Table 6. Standard errors for fee-for-service plans: Summary of selected features, private industry workers, National Compensation
Survey, 2009
Annual deductible1
Characteristics
Yes
Coinsurance2
Not
determinable
No
Yes
Annual out-of-pocket maximum3
Not
determinable
No
Yes
Not
determinable
No
Worker characteristic
All workers ........................................................................
0.7
0.7
0.1
4
1.5
1.5
0.1
1.1
1.0
0.3
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
0.7
2.2
2.7
1.1
1.0
1.1
1.6
2.9
2.6
5.0
1.1
1.3
1.9
1.4
0.7
2.2
2.6
–
1.0
1.1
1.6
–
–
–
1.1
1.3
–
( )
(4)
(4)
0.5
–
0.1
4
( )
0.1
–
–
–
0.1
0.2
–
2.5
2.8
3.1
2.9
14.4
2.0
3.1
2.2
3.5
5.1
4.8
2.8
3.5
4.1
2.5
2.8
3.1
2.9
–
2.0
3.1
2.1
3.5
5.1
4.8
2.8
3.5
4.2
–
–
–
–
–
0.2
0.3
0.2
–
–
–
0.2
–
0.4
2.1
1.6
3.0
3.4
14.6
1.8
2.8
2.0
3.0
4.0
4.8
2.8
3.5
4.6
1.9
1.4
3.0
3.5
–
1.7
2.8
1.9
3.0
4.0
4.6
2.5
3.1
4.1
0.6
1.4
0.5
0.4
–
0.4
0.2
0.6
0.4
–
0.9
0.9
1.2
1.4
Full time ............................................................................
Part time ............................................................................
0.8
5.6
0.8
–
0.1
–
1.7
5.6
1.7
–
0.1
–
1.2
5.5
1.1
5.5
0.3
0.5
Union .................................................................................
Nonunion ...........................................................................
2.8
0.8
2.8
0.8
–
0.1
3.3
1.6
3.3
1.6
–
0.1
3.2
1.2
3.5
1.1
1.2
0.3
Average wage within the following categories:5
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
2.7
1.0
1.1
1.3
2.2
2.6
1.0
1.1
1.3
2.2
0.5
0.1
(4)
(4)
0.1
3.2
2.9
2.6
2.1
2.8
3.2
2.9
2.6
2.1
2.8
–
0.2
0.1
0.1
–
2.2
1.9
1.7
2.0
3.0
2.4
1.7
1.7
2.0
2.9
0.7
0.9
0.3
0.4
0.2
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
1.7
5.0
1.7
1.7
–
1.7
(4)
–
0.1
2.6
5.1
3.1
2.6
5.1
3.1
–
–
–
2.2
3.1
2.7
2.0
3.1
2.5
0.5
–
0.7
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Retail trade ................................................................
Transportation and warehousing ..............................
Information ....................................................................
Financial activities .........................................................
Finance and insurance ..............................................
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 ............
Health care and social assistance ............................
0.8
0.9
1.0
2.2
1.2
2.0
2.4
3.6
3.3
2.4
3.1
2.6
0.9
1.2
2.9
0.8
0.9
1.0
–
–
2.0
2.4
3.6
–
–
–
2.6
0.9
1.2
2.9
0.1
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1.6
2.3
3.3
7.3
6.4
2.4
2.7
3.9
3.7
4.0
5.3
3.5
4.2
4.1
4.2
1.6
2.3
3.3
7.3
6.4
2.4
2.7
3.9
3.7
4.0
5.3
3.5
4.2
4.1
4.2
0.1
0.3
–
–
–
–
–
–
–
–
–
–
–
–
–
1.2
2.2
2.8
7.0
3.8
2.3
2.7
2.8
4.5
4.2
5.6
3.7
4.7
4.8
4.1
1.2
2.2
2.8
7.0
3.6
2.1
2.5
2.8
3.4
4.1
5.6
3.5
4.7
4.8
3.8
0.4
0.3
–
–
1.0
0.9
1.1
0.1
2.8
0.7
–
1.0
–
–
1.2
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, 2009—Continued
Annual deductible1
Characteristics
Yes
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Coinsurance2
Not
determinable
No
Yes
Annual out-of-pocket maximum3
Not
determinable
No
Yes
Not
determinable
No
0.7
0.8
1.2
1.2
1.6
1.8
0.6
0.8
–
1.2
1.6
1.8
0.2
–
–
4
( )
–
(4)
2.2
2.7
3.3
1.8
3.1
2.2
2.2
2.7
3.3
1.8
3.1
2.2
0.2
0.2
0.2
–
–
–
1.8
2.2
2.7
1.3
2.0
1.7
1.8
2.1
2.7
1.2
1.9
2.1
0.5
0.6
0.8
0.4
0.5
0.9
10.2
1.6
1.6
2.4
2.2
1.3
0.8
1.5
1.0
–
1.6
1.6
–
–
–
0.6
1.5
1.0
–
–
–
–
–
–
0.4
0.2
–
5.9
4.5
2.6
4.2
2.4
6.6
2.4
4.2
3.0
5.9
4.5
2.5
–
2.5
6.6
2.4
–
3.0
–
0.2
0.4
–
0.1
–
–
–
–
6.0
2.1
2.2
4.9
2.9
2.6
3.1
5.0
2.5
5.6
2.3
1.9
–
3.0
2.8
3.1
3.9
2.5
0.5
1.3
0.8
–
1.0
1.4
0.5
1.6
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 The deductible is the amount of covered expenses that an individual or family must pay before
any charges are paid by the medical care plan. Deductibles that apply separately to a specific
category of expenses, such as deductible for each hospital admission, were excluded.
2 Represents the initial coinsurance in plans that have 100 percent coverage after the individual
pays a specified dollar amount toward expenses. For example, the plan pays 80 percent until the
individual’s out-of-pocket expenses reach $1,000, and then coverage is 100 percent.
3 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a
participant or a family must pay after the deductible has been satisfied. Once reached, covered
expenses are fully reimbursed for the rest of the year.
4
5
Less than 0.05.
The categories are based on the average wage for each occupation surveyed, which may
include workers 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, 2008."
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/glossary20092010.htm.
Table 7. Fee-for-service plans: Type and amount of annual individual deductible,1 private industry workers, National Compensation Survey, 2009
(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
Worker characteristic
All workers ........................................................................
100
93
–
–
55
$500
$1,000
$550
–
7
(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
100
100
100
100
100
93
96
92
87
98
94
96
93
92
94
89
93
92
94
–
–
–
–
–
–
–
–
–
–
34
–
–
–
–
–
–
–
–
–
–
–
–
–
$500
–
–
–
52
57
49
50
59
61
65
59
53
50
56
54
56
52
500
500
450
500
–
500
500
500
–
–
500
500
500
500
1,000
1,000
1,000
1,000
500
1,000
1,000
–
1,000
–
1,000
–
1,000
800
500
–
500
–
–
–
–
600
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
7
4
8
12
–
6
4
7
–
–
–
7
8
–
(2)
(2)
(2)
(2)
–
(2)
(2)
(2)
–
–
–
(2)
2
( )
–
Full time ............................................................................
Part time ............................................................................
100
100
93
86
–
33
–
300
55
52
500
500
1,000
600
550
–
–
–
7
–
(2)
–
Union .................................................................................
Nonunion ...........................................................................
100
100
84
94
–
–
–
–
50
56
300
500
600
1,000
200
600
–
–
16
6
–
(2)
Average wage within the following categories:3
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
100
100
100
100
100
90
93
94
92
92
–
33
–
–
–
–
500
–
–
–
51
60
53
55
55
500
500
500
500
450
1,000
1,000
1,000
800
750
–
600
600
–
500
–
1
–
–
–
10
7
6
7
8
(2)
(2)
(2)
(2)
(2)
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
100
100
100
92
91
91
–
43
–
–
350
–
52
48
54
500
–
500
1,000
–
–
–
–
–
–
–
–
8
–
9
(2)
–
(2)
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Retail trade ................................................................
Transportation and warehousing ..............................
Information ....................................................................
Financial activities .........................................................
Finance and insurance ..............................................
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 ............
Health care and social assistance ............................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
93
95
94
95
97
92
90
86
95
95
96
89
95
92
88
37
31
29
35
–
–
–
31
–
40
46
–
–
–
–
500
500
500
500
–
–
–
500
–
500
–
–
–
–
–
56
64
65
61
66
57
57
55
60
55
49
51
59
69
50
500
500
500
–
250
500
500
–
–
500
–
500
–
500
500
1,000
1,000
1,000
–
600
1,000
1,000
1,000
1,000
–
–
1,000
1,000
800
1,000
600
600
–
–
–
800
800
800
–
–
–
350
250
250
–
(2)
–
–
–
–
–
–
–
–
–
–
–
–
–
–
7
5
6
–
–
8
10
14
–
–
–
11
5
8
12
(2)
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 7. Fee-for-service plans: Type and amount of annual individual deductible,1 private industry workers, National Compensation Survey,
2009—Continued
(All workers participating in fee-for-service plans = 100 percent)
With deductible
With fixed deductible
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
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
100
100
100
100
100
97
96
97
89
92
85
–
45
–
–
–
–
–
–
–
–
–
–
54
51
63
56
58
53
$500
500
500
–
500
375
$1,000
1,000
1,000
750
–
600
–
$1,000
600
–
–
–
–
–
–
–
–
–
3
4
–
10
8
14
(2)
–
–
2
( )
–
(2)
100
100
100
100
100
100
100
100
100
86
87
93
95
94
96
97
95
91
23
–
–
45
–
46
44
–
47
–
–
–
–
–
–
$500
–
500
63
50
62
50
64
51
53
55
–
–
500
500
500
500
–
500
500
–
750
1,000
1,000
–
1,000
1,000
1,000
1,000
–
–
–
–
–
500
750
–
–
–
–
–
–
–
–
–
–
–
–
–
13
7
–
–
–
2
5
9
–
–
–
–
–
–
(2)
(2)
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 The deductible is the amount of covered expenses that an individual or family must pay before any charges are
paid by the medical care plan. Deductibles that apply separately to a specific category of expenses, such as
deductible for each hospital admission, were excluded.
2 Less than 0.5 percent.
3 The categories are based on the average wage for each occupation surveyed, which may include workers 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, 2008." 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/glossary20092010.htm.
Table 7. Standard errors for fee-for-service plans: Type and amount of annual individual deductible,1 private industry workers, National
Compensation Survey, 2009
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
Worker characteristic
All workers ........................................................................
0.7
–
–
1.5
$0.00
$0.00
$78.49
–
0.7
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
0.7
2.2
2.7
1.1
1.0
1.1
1.6
2.9
2.6
5.0
1.1
1.3
1.9
–
–
–
–
–
–
–
–
–
–
5.4
–
–
–
–
–
–
–
–
–
–
–
–
–
$0.00
–
–
–
2.5
3.2
3.3
6.0
15.0
2.6
3.3
3.2
3.7
5.5
5.7
3.4
3.8
4.9
0.00
38.00
96.12
0.00
–
0.00
0.00
0.00
–
–
94.10
0.00
19.62
53.74
49.05
0.00
209.56
48.06
0.00
84.39
0.00
–
110.56
–
110.56
–
191.32
178.33
134.16
–
19.62
–
–
–
–
16.99
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1.4
0.7
2.2
2.6
–
1.0
1.1
1.6
–
–
–
1.1
1.3
–
(2)
(2)
(2)
0.5
–
0.1
2
( )
0.1
–
–
–
0.1
0.2
–
Full time ............................................................................
Part time ............................................................................
0.8
5.6
–
4.5
–
67.97
1.5
7.7
0.00
87.75
0.00
84.39
77.25
–
–
–
0.8
–
0.1
–
Union .................................................................................
Nonunion ...........................................................................
2.8
0.8
–
–
–
–
4.4
1.7
0.00
0.00
131.99
0.00
29.43
92.55
–
–
2.8
0.8
–
0.1
Average wage within the following categories:3
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
2.7
1.0
1.1
1.3
2.2
–
2.2
–
–
–
–
0.00
–
–
–
4.0
2.4
2.6
2.1
3.3
0.00
0.00
0.00
0.00
90.98
180.90
0.00
0.00
97.62
61.35
–
153.56
168.22
–
146.18
–
0.2
–
–
–
2.6
1.0
1.1
1.3
2.2
0.5
0.1
(2)
(2)
0.1
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
1.7
5.0
1.7
–
7.3
–
–
59.68
–
3.1
6.9
3.4
0.00
–
0.00
130.89
–
–
–
–
–
–
–
–
1.7
–
1.7
(2)
–
0.1
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Retail trade ................................................................
Transportation and warehousing ..............................
Information ....................................................................
Financial activities .........................................................
Finance and insurance ..............................................
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 ............
Health care and social assistance ............................
0.8
0.9
1.0
2.2
1.2
2.0
2.4
3.6
3.3
2.4
3.1
2.6
0.9
1.2
2.9
1.7
2.3
3.5
6.4
–
–
–
3.8
–
5.1
6.8
–
–
–
–
0.00
64.33
0.00
55.50
–
–
–
43.87
–
0.00
–
–
–
–
–
2.0
2.5
3.6
6.9
6.3
3.6
3.6
4.2
6.7
5.6
7.3
5.0
6.5
4.3
5.8
0.00
0.00
0.00
–
70.75
24.03
52.83
–
–
0.00
–
0.00
–
55.50
0.00
0.00
46.02
151.99
–
116.08
0.00
83.25
172.18
137.35
–
–
0.00
152.93
158.50
0.00
98.60
0.00
–
–
–
0.00
0.00
0.00
–
–
–
103.83
0.00
0.00
–
0.1
–
–
–
–
–
–
–
–
–
–
–
–
–
–
0.8
0.9
1.0
–
–
2.0
2.4
3.6
–
–
–
2.6
0.9
1.2
2.9
0.1
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 7. Standard errors for fee-for-service plans: Type and amount of annual individual deductible,1 private industry workers, National
Compensation Survey, 2009—Continued
With deductible
With fixed deductible
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
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
0.7
0.8
1.2
1.2
1.6
1.8
–
3.3
–
–
–
–
–
–
–
–
–
–
3.0
3.5
4.3
1.7
2.5
2.3
$27.75
41.62
71.42
–
27.75
69.02
$0.00
0.00
96.12
57.38
–
36.71
–
$124.10
179.83
–
–
–
–
–
–
–
–
–
0.6
0.8
–
1.2
1.6
1.8
0.2
–
–
(2)
–
(2)
10.2
1.6
1.6
2.4
2.2
1.3
0.8
1.5
1.0
5.2
–
–
3.7
–
6.4
4.3
–
4.4
–
–
–
–
–
–
$0.00
–
29.43
5.8
3.6
3.5
4.9
3.6
7.2
4.1
3.8
–
–
0.00
0.00
0.00
0.00
–
0.00
0.00
–
204.62
148.14
0.00
–
142.51
161.80
0.00
208.12
–
–
–
–
–
98.11
96.12
–
–
–
–
–
–
–
–
–
–
–
–
–
1.6
1.6
–
–
–
0.6
1.5
1.0
–
–
–
–
–
–
0.4
0.2
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 The deductible is the amount of covered expenses that an individual or family must pay before any
charges are paid by the medical care plan. Deductibles that apply separately to a specific category of
expenses, such as deductible for each hospital admission, were excluded.
2 Less than 0.05.
3 The categories are based on the average wage for each occupation surveyed, which may include
workers 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, 2008." 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/glossary20092010.htm.
Table 8. Fee-for-service plans: Amount of annual individual deductible,1 private industry workers, National Compensation Survey, 2009
(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
Worker characteristic
All workers ........................................................................
100
93
$200
$300
$500
$1,000
$2,000
7
(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
100
100
100
100
100
93
96
92
87
98
94
96
93
92
94
89
93
92
94
200
200
250
–
–
250
–
250
200
200
200
200
200
200
300
300
300
–
–
300
–
300
250
250
300
300
300
250
500
500
500
–
–
500
–
500
500
450
500
500
500
500
1,000
1,500
1,000
–
–
1,000
–
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,800
2,000
1,500
–
–
2,000
–
2,000
2,000
2,000
2,000
2,000
2,000
1,500
7
4
8
12
–
6
4
7
–
–
–
7
8
–
(2)
(2)
(2)
(2)
–
(2)
(2)
(2)
–
–
–
(2)
(2)
–
Full time ............................................................................
Part time ............................................................................
100
100
93
86
200
200
300
250
500
350
1,000
500
2,000
1,000
7
–
(2)
–
Union .................................................................................
Nonunion ...........................................................................
100
100
84
94
150
250
200
300
300
500
450
1,000
1,000
2,000
16
6
–
(2)
Average wage within the following categories:3
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
100
100
100
100
100
90
93
94
92
92
250
250
200
200
150
300
300
275
250
250
500
500
500
500
500
1,000
1,000
1,000
1,000
1,000
2,000
2,000
2,000
1,600
1,600
10
7
6
7
8
(2)
(2)
(2)
(2)
(2)
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
100
100
100
92
91
91
200
–
200
300
–
300
500
–
500
1,000
–
1,000
2,000
–
1,500
8
–
9
(2)
–
(2)
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Retail trade ................................................................
Transportation and warehousing ..............................
Information ....................................................................
Financial activities .........................................................
Finance and insurance ..............................................
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 ............
Health care and social assistance ............................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
93
95
94
95
97
92
90
86
95
95
96
89
95
92
88
200
200
200
150
–
250
250
250
300
200
–
250
250
200
250
300
300
300
250
–
300
300
300
400
300
–
250
250
250
250
500
500
500
500
–
600
550
550
750
500
–
500
500
500
500
1,000
1,000
1,000
1,000
–
1,300
1,250
1,200
1,300
1,000
–
1,000
1,000
1,000
1,000
2,000
1,500
2,000
1,500
–
2,000
1,800
2,000
1,750
2,000
–
1,500
1,000
1,500
1,500
7
5
6
–
–
8
10
14
–
–
–
11
5
8
12
(2)
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 8. Fee-for-service plans: Amount of annual individual deductible,1 private industry workers, National Compensation Survey,
2009—Continued
(All workers participating in fee-for-service plans = 100 percent)
Amount of annual deductible
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Total
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
100
100
100
100
100
100
97
96
97
89
92
85
$250
250
250
200
200
200
$300
300
300
250
250
250
$500
500
500
400
500
325
$1,000
1,100
1,000
750
750
750
$2,000
2,000
2,000
1,500
1,500
1,500
3
4
–
10
8
14
(2)
–
–
2
( )
–
(2)
100
100
100
100
100
100
100
100
100
86
87
93
95
94
96
97
95
91
200
200
200
250
250
–
250
–
150
250
250
275
300
300
–
300
–
250
400
500
500
500
500
–
500
–
500
1,000
1,200
1,000
1,000
1,000
–
1,000
–
750
1,600
2,500
2,000
2,000
2,000
–
2,000
–
1,250
–
13
7
–
–
–
2
5
9
–
–
–
–
–
–
(2)
2
( )
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 The deductible is the amount of covered expenses that an individual or family must pay before any
charges are paid by the medical care plan. Deductibles that apply separately to a specific category of
expenses, such as deductible for each hospital admission, were excluded.
2 Less than 0.5 percent.
3 The categories are based on the average wage for each occupation surveyed, which may include
workers 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, 2008." 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/glossary20092010.htm.
Table 8. Standard errors for fee-for-service plans: Amount of annual individual deductible,1 private industry workers, National
Compensation Survey, 2009
Amount of annual deductible
Characteristics
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
Worker characteristic
All workers ........................................................................
0.7
$0.00
$0.00
$0.00
$0.00
$242.70
0.7
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
0.7
2.2
2.7
1.1
1.0
1.1
1.6
2.9
2.6
5.0
1.1
1.3
1.9
63.96
41.91
64.39
–
–
70.92
–
9.81
58.04
67.26
65.81
0.00
65.81
48.06
9.81
0.00
64.52
–
–
0.00
–
0.00
62.05
65.08
22.71
24.53
0.00
24.03
0.00
118.57
0.00
–
–
0.00
–
0.00
0.00
86.09
0.00
0.00
0.00
80.30
137.00
133.08
0.00
–
–
0.00
–
48.06
87.20
131.62
277.32
0.00
101.48
0.00
341.95
58.86
0.00
–
–
423.68
–
242.51
0.00
98.11
404.51
191.75
825.09
392.92
1.4
0.7
2.2
2.6
–
1.0
1.1
1.6
–
–
–
1.1
1.3
–
(2)
(2)
(2)
0.5
–
0.1
2
( )
0.1
–
–
–
0.1
0.2
–
Full time ............................................................................
Part time ............................................................................
0.8
5.6
13.87
16.99
0.00
0.00
0.00
110.56
0.00
19.62
115.77
238.10
0.8
–
0.1
–
Union .................................................................................
Nonunion ...........................................................................
2.8
0.8
0.00
19.72
0.00
0.00
27.75
0.00
82.67
0.00
199.86
0.00
2.8
0.8
–
0.1
Average wage within the following categories:3
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
2.7
1.0
1.1
1.3
2.2
35.37
0.00
0.00
31.79
56.36
0.00
0.00
44.69
51.21
20.81
0.00
0.00
0.00
0.00
50.02
75.36
0.00
0.00
0.00
55.50
470.51
0.00
450.97
100.05
151.99
2.6
1.0
1.1
1.3
2.2
0.5
0.1
(2)
(2)
0.1
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
1.7
5.0
1.7
9.81
–
34.38
4.91
–
0.00
0.00
–
0.00
0.00
–
0.00
237.49
–
536.19
1.7
–
1.7
(2)
–
0.1
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Retail trade ................................................................
Transportation and warehousing ..............................
Information ....................................................................
Financial activities .........................................................
Finance and insurance ..............................................
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 ............
Health care and social assistance ............................
0.8
0.9
1.0
2.2
1.2
2.0
2.4
3.6
3.3
2.4
3.1
2.6
0.9
1.2
2.9
13.87
10.97
53.74
44.96
–
6.94
0.00
25.96
51.91
62.05
–
0.00
50.98
63.58
0.00
4.91
9.81
0.00
37.36
–
25.96
0.00
8.50
19.62
47.05
–
63.77
16.99
9.81
80.30
0.00
0.00
0.00
19.62
–
170.49
89.38
60.48
353.46
0.00
–
0.00
0.00
19.62
0.00
0.00
0.00
286.20
131.99
–
229.87
87.20
197.92
188.97
212.46
–
0.00
0.00
98.11
0.00
444.42
433.12
690.24
615.50
–
67.97
296.60
384.50
210.87
568.68
–
339.85
0.00
208.12
637.70
0.8
0.9
1.0
–
–
2.0
2.4
3.6
–
–
–
2.6
0.9
1.2
2.9
0.1
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 8. Standard errors for fee-for-service plans: Amount of annual individual deductible,1 private industry workers, National
Compensation Survey, 2009—Continued
Amount of annual deductible
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
0.7
0.8
1.2
1.2
1.6
1.8
$46.02
60.48
25.96
0.00
16.99
4.91
$33.99
77.25
34.34
9.81
9.81
0.00
$95.12
164.46
50.02
50.86
89.92
58.04
$157.28
201.78
19.62
223.93
237.29
274.00
$0.00
69.37
478.42
19.62
388.98
0.00
0.6
0.8
–
1.2
1.6
1.8
0.2
–
–
2
( )
–
(2)
10.2
1.6
1.6
2.4
2.2
1.3
0.8
1.5
1.0
57.21
39.24
67.72
42.81
0.00
–
13.87
–
24.03
38.00
24.03
42.48
43.87
0.00
–
0.00
–
0.00
152.93
117.73
0.00
43.87
0.00
–
0.00
–
155.74
141.49
235.66
48.06
217.39
0.00
–
0.00
–
330.81
141.49
1,225.47
271.88
0.00
306.38
–
355.63
–
304.13
–
1.6
1.6
–
–
–
0.6
1.5
1.0
–
–
–
–
–
–
0.4
0.2
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 The deductible is the amount of covered expenses that an individual or family must pay before
any charges are paid by the medical care plan. Deductibles that apply separately to a specific
category of expenses, such as deductible for each hospital admission, were excluded.
2 Less than 0.05.
3 The categories are based on the average wage for each occupation surveyed, which may
include workers 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, 2008." 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/glossary20092010.htm.
Table 9. Fee-for-service plans: Type and amount of annual family deductible,1 private industry workers, National Compensation Survey, 2009
(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
Worker characteristic
All workers ........................................................................
100
88
–
–
53
$1,200
$2,000
$1,500
–
12
(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
100
100
100
100
100
89
88
90
74
80
90
94
88
88
89
88
88
84
92
–
–
–
–
–
–
–
–
–
–
33
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
51
56
48
45
–
59
63
56
52
49
55
52
54
50
1,050
1,250
1,000
1,000
–
1,200
–
1,200
1,500
–
1,500
1,200
–
1,200
2,000
–
2,000
2,000
–
2,000
2,000
2,000
–
–
–
2,000
2,000
–
–
–
–
–
–
–
–
1,800
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
11
12
10
25
–
10
6
12
12
–
–
12
15
8
(2)
(2)
(2)
(2)
–
(2)
(2)
(2)
–
–
–
(2)
(2)
–
Full time ............................................................................
Part time ............................................................................
100
100
89
71
–
27
–
$750
54
44
1,200
–
2,000
1,800
1,500
–
–
–
11
29
(2)
–
Union .................................................................................
Nonunion ...........................................................................
100
100
78
89
–
–
–
–
48
54
600
1,250
1,200
2,000
–
1,600
–
–
22
11
–
(2)
Average wage within the following categories:3
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
100
100
100
100
100
76
89
90
88
89
–
30
–
–
–
–
–
–
–
–
45
58
52
53
54
–
1,500
1,200
1,000
1,000
2,000
–
2,000
1,800
1,600
–
1,600
1,800
–
–
–
1
–
–
–
23
11
10
12
11
(2)
(2)
(2)
(2)
(2)
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
100
100
100
88
86
87
–
38
–
–
750
–
51
48
53
1,500
–
–
2,000
3,000
1,650
–
–
–
–
–
–
12
–
12
(2)
–
(2)
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Retail trade ................................................................
Transportation and warehousing ..............................
Information ....................................................................
Financial activities .........................................................
Finance and insurance ..............................................
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 ............
Health care and social assistance ............................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
88
91
90
92
95
90
88
84
94
90
92
85
93
91
84
34
29
27
35
–
–
–
31
–
40
46
–
–
–
–
1,500
1,000
–
1,500
–
–
–
–
–
1,500
1,500
–
–
–
–
54
61
63
57
66
56
56
53
60
50
46
50
59
69
49
1,100
1,200
1,500
–
600
1,500
1,500
–
1,500
1,000
–
1,500
1,500
1,500
–
2,000
2,000
2,000
–
1,200
–
–
–
3,000
2,000
2,000
3,000
2,250
2,000
3,000
1,600
–
–
–
–
1,600
1,600
1,600
–
–
–
–
750
750
–
(2)
–
–
–
–
–
–
–
–
–
–
–
–
–
–
12
9
10
8
–
10
12
16
–
–
–
15
7
9
16
(2)
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 9. Fee-for-service plans: Type and amount of annual family deductible,1 private industry workers, National Compensation Survey,
2009—Continued
(All workers participating in fee-for-service plans = 100 percent)
With deductible
With fixed deductible
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
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
100
100
100
100
100
89
88
91
86
89
83
–
41
–
–
–
–
–
$1,500
–
–
–
–
51
48
62
54
57
52
$1,500
1,500
1,500
1,000
1,000
800
$3,000
3,000
–
1,600
2,000
1,500
–
$3,000
1,800
1,050
–
–
–
–
–
–
–
–
11
12
–
14
11
17
(2)
–
–
2
( )
–
(2)
100
100
100
100
100
100
100
100
100
79
83
89
88
88
90
90
91
87
21
–
–
39
–
40
40
–
45
–
–
–
1,500
–
–
1,500
–
–
58
47
59
49
63
50
50
55
–
1,200
–
1,200
1,200
1,200
–
1,500
1,000
–
2,000
2,000
2,200
2,000
–
–
–
2,000
–
1,800
–
–
–
1,500
1,500
–
3,000
–
–
–
–
–
–
–
–
–
–
–
17
11
12
12
–
10
9
13
–
–
–
–
–
–
(2)
(2)
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 The deductible is the amount of covered expenses that an individual or family must pay before any charges are
paid by the medical care plan. Deductibles that apply separately to a specific category of expenses, such as deductible
for each hospital admission, were excluded.
2 Less than 0.5 percent.
3 The categories are based on the average wage for each occupation surveyed, which may include workers 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, 2008." 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/glossary20092010.htm.
Table 9. Standard errors for fee-for-service plans: Type and amount of annual family deductible,1 private industry workers, National
Compensation Survey, 2009
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
Worker characteristic
All workers ........................................................................
1.0
–
–
1.5
$164.16
$0.00
$159.41
–
1.0
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 .............................
1.7
2.2
2.3
4.6
10.9
1.3
0.9
2.0
3.1
3.4
5.0
1.6
3.0
1.9
–
–
–
–
–
–
–
–
–
–
5.5
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
2.5
3.3
3.5
5.9
–
2.7
3.6
3.2
3.7
5.5
5.6
3.1
3.9
4.9
248.14
356.31
150.48
0.00
–
234.02
–
249.55
189.22
–
192.50
351.96
–
327.60
488.47
–
299.83
39.24
–
165.04
302.70
169.36
–
–
–
416.70
302.55
–
–
–
–
–
–
–
–
207.65
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1.7
2.2
2.3
4.6
–
1.3
0.9
2.0
3.1
–
–
1.6
3.0
1.9
(2)
(2)
(2)
0.5
–
0.1
2
( )
0.1
–
–
–
0.1
0.2
–
Full time ............................................................................
Part time ............................................................................
0.9
4.5
–
4.3
–
$137.00
1.4
5.3
183.80
–
52.83
371.77
156.97
–
–
–
0.9
4.5
0.1
–
Union .................................................................................
Nonunion ...........................................................................
2.4
1.1
–
–
–
–
3.6
1.7
65.26
342.81
0.00
444.96
–
229.66
–
–
2.4
1.1
–
0.1
Average wage within the following categories:3
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
4.0
1.2
1.2
1.6
2.4
–
2.0
–
–
–
–
–
–
–
–
3.7
2.3
2.4
2.2
3.4
–
231.33
235.66
89.92
58.86
214.27
–
137.70
334.28
337.15
–
173.29
456.38
–
–
–
0.2
–
–
–
3.9
1.2
1.2
1.6
2.4
0.5
0.1
(2)
(2)
0.1
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
2.1
5.3
2.4
–
7.1
–
–
221.77
–
3.0
6.9
3.3
369.83
–
–
371.51
804.96
457.75
–
–
–
–
–
–
2.1
–
2.4
(2)
–
0.1
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Retail trade ................................................................
Transportation and warehousing ..............................
Information ....................................................................
Financial activities .........................................................
Finance and insurance ..............................................
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 ............
Health care and social assistance ............................
1.1
1.4
1.7
2.4
1.5
2.1
2.4
3.7
3.4
3.4
3.8
3.0
1.8
2.0
3.4
1.6
2.4
3.6
6.4
–
–
–
3.8
–
5.1
6.8
–
–
–
–
151.99
9.81
–
242.70
–
–
–
–
–
98.11
240.31
–
–
–
–
1.9
2.8
4.0
6.9
6.3
3.5
3.7
4.5
6.7
5.6
7.5
5.1
6.5
4.3
5.9
179.70
339.43
405.46
–
0.00
384.50
384.50
–
422.66
259.20
–
356.64
187.18
209.73
–
27.75
250.32
311.79
–
100.05
–
–
–
264.16
291.69
444.42
282.86
423.68
426.17
117.73
286.37
–
–
–
–
0.00
0.00
0.00
–
–
–
–
0.00
0.00
–
0.1
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1.1
1.4
1.7
2.4
–
2.1
2.4
3.7
–
–
–
3.0
1.8
2.0
3.4
0.1
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 9. Standard errors for fee-for-service plans: Type and amount of annual family deductible,1 private industry workers, National
Compensation Survey, 2009—Continued
With deductible
With fixed deductible
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Total with
deductible
Total with
fixed
deductible
Median
deductible
amount
With variable deductible
Total with
variable
deductible
Median deductible amount
In-network
Out-ofnetwork
Other
deductible
With no
deductible
Not
determinable
Point-ofservice
1.5
1.9
2.3
1.3
1.8
2.1
–
3.2
–
–
–
–
–
$379.71
–
–
–
–
2.8
3.3
4.4
1.6
2.5
2.3
$0.00
0.00
0.00
27.75
55.50
121.35
$0.00
0.00
–
316.12
135.94
152.30
–
$644.83
146.83
246.05
–
–
–
–
–
–
–
–
1.5
1.9
–
1.3
1.8
2.1
0.2
–
–
(2)
–
(2)
12.2
3.9
2.6
2.7
2.6
3.4
2.2
2.2
1.7
5.5
–
–
4.6
–
8.6
4.2
–
4.7
–
–
–
33.99
–
–
0.00
–
–
7.9
4.6
3.2
4.8
3.9
7.2
3.4
3.8
–
200.10
–
306.18
341.41
334.18
–
0.00
92.03
–
468.87
497.57
652.25
48.06
–
–
–
553.68
–
135.94
–
–
–
0.00
192.25
–
0.00
–
–
–
–
–
–
–
–
–
–
–
3.9
2.6
2.7
2.6
–
2.3
2.2
1.7
–
–
–
–
–
–
0.4
0.2
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 The deductible is the amount of covered expenses that an individual or family must pay before any charges
are paid by the medical care plan. Deductibles that apply separately to a specific category of expenses, such as
deductible for each hospital admission, were excluded.
2 Less than 0.05.
3 The categories are based on the average wage for each occupation surveyed, which may include workers
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, 2008." 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/glossary20092010.htm.
Table 10. Fee-for-service plans: Amount of annual family deductible,1 private industry workers, National Compensation Survey, 2009
(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
Worker characteristic
All workers ........................................................................
100
88
$450
$600
$1,200
$2,500
$4,000
12
(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
100
100
100
100
100
89
88
90
74
80
90
94
88
88
89
88
88
84
92
500
500
500
500
–
500
400
500
450
400
500
400
400
400
600
600
650
600
–
600
600
600
600
600
750
600
600
600
1,200
1,500
1,000
1,000
–
1,500
1,250
1,500
1,050
1,000
1,500
1,000
1,000
1,000
3,000
3,000
2,500
1,500
–
2,400
2,250
3,000
3,000
2,500
3,000
2,250
2,000
2,250
3,750
4,800
3,000
3,000
–
4,000
4,000
4,000
4,000
4,000
4,500
4,000
4,000
3,000
11
12
10
25
–
10
6
12
12
–
–
12
15
8
(2)
(2)
(2)
(2)
–
(2)
(2)
(2)
–
–
–
(2)
(2)
–
Full time ............................................................................
Part time ............................................................................
100
100
89
71
480
450
600
600
1,200
1,000
2,500
1,500
4,000
2,250
11
29
(2)
–
Union .................................................................................
Nonunion ...........................................................................
100
100
78
89
350
500
450
650
600
1,500
1,000
3,000
2,000
4,000
22
11
–
(2)
Average wage within the following categories:3
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
100
100
100
100
100
76
89
90
88
89
500
500
450
400
300
700
600
600
600
600
1,200
1,300
1,200
1,000
1,000
2,000
2,500
3,000
2,200
2,400
4,000
4,000
4,000
3,300
4,000
23
11
10
12
11
(2)
(2)
(2)
(2)
(2)
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
100
100
100
88
86
87
400
–
400
600
–
600
1,000
–
1,000
2,250
–
2,000
4,000
–
4,000
12
–
12
(2)
–
(2)
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Retail trade ................................................................
Transportation and warehousing ..............................
Information ....................................................................
Financial activities .........................................................
Finance and insurance ..............................................
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 ............
Health care and social assistance ............................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
88
91
90
92
95
90
88
84
94
90
92
85
93
91
84
500
450
500
400
–
550
500
500
600
450
–
500
500
500
500
600
600
600
500
–
750
750
600
1,000
750
–
600
750
750
600
1,200
1,050
1,200
1,500
–
1,500
1,500
1,500
1,500
1,250
–
1,500
1,500
1,500
1,500
2,500
2,250
2,000
3,000
–
3,000
3,000
3,000
3,000
3,000
–
2,500
2,000
2,000
3,000
4,000
4,000
4,000
4,000
–
4,500
4,000
4,000
4,500
4,000
–
3,000
3,000
3,000
3,000
12
9
10
8
–
10
12
16
–
–
–
15
7
9
16
(2)
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 10. Fee-for-service plans: Amount of annual family deductible,1 private industry workers, National Compensation Survey,
2009—Continued
(All workers participating in fee-for-service plans = 100 percent)
Amount of annual deductible
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Total
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
100
100
100
100
100
100
89
88
91
86
89
83
$500
500
500
400
450
400
$750
900
750
600
600
600
$1,500
1,500
1,500
1,000
1,000
900
$3,000
3,000
2,500
2,000
2,000
1,900
$4,500
4,500
4,000
3,000
3,000
3,000
11
12
–
14
11
17
(2)
–
–
2
( )
–
(2)
100
100
100
100
100
100
100
100
100
79
83
89
88
88
90
90
91
87
500
400
400
500
500
–
550
400
400
600
500
600
750
600
–
750
600
500
1,200
1,000
1,000
1,500
1,200
–
1,500
1,000
1,000
2,100
2,500
2,400
2,250
2,500
–
3,000
2,250
1,600
4,000
3,000
4,500
4,000
4,000
–
4,000
3,000
3,000
–
17
11
12
12
–
10
9
13
–
–
–
–
–
–
(2)
2
( )
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 The deductible is the amount of covered expenses that an individual or family must pay before any
charges are paid by the medical care plan. Deductibles that apply separately to a specific category of
expenses, such as deductible for each hospital admission, were excluded.
2 Less than 0.5 percent.
3 The categories are based on the average wage for each occupation surveyed, which may include
workers 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, 2008." 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/glossary20092010.htm.
Table 10. Standard errors for fee-for-service plans: Amount of annual family deductible,1 private industry workers, National
Compensation Survey, 2009
Amount of annual deductible
Characteristics
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
Worker characteristic
All workers ........................................................................
1.0
$73.00
$0.00
$160.91
$122.93
$84.96
1.0
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 .............................
1.7
2.2
2.3
4.6
10.9
1.3
0.9
2.0
3.1
3.4
5.0
1.6
3.0
1.9
39.24
66.54
32.54
43.87
–
21.94
160.61
0.00
51.91
36.71
64.33
29.43
116.50
29.43
94.96
21.94
150.43
143.18
–
31.41
50.26
66.54
25.49
0.00
141.92
0.00
13.87
109.25
335.72
218.71
462.04
110.12
–
347.97
388.11
312.25
331.07
202.07
471.04
144.85
263.98
220.90
387.62
0.00
459.34
0.00
–
257.02
266.16
647.66
606.04
705.48
577.92
303.02
508.13
407.47
376.45
343.79
128.67
196.21
–
206.96
1,061.83
357.65
588.64
0.00
920.33
328.48
405.46
896.16
1.7
2.2
2.3
4.6
–
1.3
0.9
2.0
3.1
–
–
1.6
3.0
1.9
(2)
(2)
(2)
0.5
–
0.1
2
( )
0.1
–
–
–
0.1
0.2
–
Full time ............................................................................
Part time ............................................................................
0.9
4.5
52.83
74.07
0.00
127.16
186.15
253.56
324.79
0.00
0.00
929.54
0.9
4.5
0.1
–
Union .................................................................................
Nonunion ...........................................................................
2.4
1.1
96.12
0.00
66.54
122.61
0.00
65.08
87.75
569.02
299.67
0.00
2.4
1.1
–
0.1
Average wage within the following categories:3
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
4.0
1.2
1.2
1.6
2.4
9.81
0.00
72.33
60.48
107.92
137.09
13.87
9.81
0.00
0.00
403.08
329.35
309.62
109.25
75.99
395.48
589.62
584.13
306.35
408.99
512.13
169.93
290.20
610.69
612.99
3.9
1.2
1.2
1.6
2.4
0.5
0.1
(2)
(2)
0.1
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
2.1
5.3
2.4
115.53
–
90.11
0.00
–
9.81
79.70
–
179.30
210.63
–
327.83
96.62
–
813.40
2.1
–
2.4
(2)
–
0.1
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Retail trade ................................................................
Transportation and warehousing ..............................
Information ....................................................................
Financial activities .........................................................
Finance and insurance ..............................................
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 ............
Health care and social assistance ............................
1.1
1.4
1.7
2.4
1.5
2.1
2.4
3.7
3.4
3.4
3.8
3.0
1.8
2.0
3.4
62.05
67.97
69.37
58.04
–
67.26
71.42
31.02
39.24
102.90
–
0.00
58.86
58.04
0.00
0.00
0.00
8.50
79.70
–
199.14
166.49
29.43
50.98
72.09
–
185.63
0.00
0.00
157.58
239.56
225.22
302.86
434.78
–
119.35
80.90
494.83
406.40
375.64
–
182.23
174.40
406.76
320.47
436.11
240.91
343.37
491.71
–
0.00
187.18
681.69
396.82
700.62
–
840.46
0.00
640.41
627.04
264.71
946.52
668.57
1,113.76
–
337.58
261.78
137.35
514.66
857.36
–
0.00
0.00
0.00
0.00
1.1
1.4
1.7
2.4
–
2.1
2.4
3.7
–
–
–
3.0
1.8
2.0
3.4
0.1
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 10. Standard errors for fee-for-service plans: Amount of annual family deductible,1 private industry workers, National
Compensation Survey, 2009—Continued
Amount of annual deductible
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
1.5
1.9
2.3
1.3
1.8
2.1
$0.00
62.82
0.00
52.83
68.03
16.99
$156.74
156.74
195.54
0.00
21.94
0.00
$0.00
62.05
83.25
67.97
0.00
105.66
$0.00
0.00
548.35
117.73
156.05
303.50
$392.43
442.24
672.87
426.74
899.65
336.44
1.5
1.9
–
1.3
1.8
2.1
0.2
–
–
2
( )
–
(2)
12.2
3.9
2.6
2.7
2.6
3.4
2.2
2.2
1.7
83.25
77.87
126.78
65.08
64.33
–
95.62
151.99
96.12
158.80
142.85
64.33
216.95
110.78
–
123.32
109.25
101.96
450.33
39.24
247.22
137.35
320.17
–
0.00
58.86
39.24
247.03
215.17
758.44
706.30
629.57
–
0.00
393.64
643.63
1,116.53
297.86
422.66
374.87
979.75
–
1,004.44
169.93
0.00
–
3.9
2.6
2.7
2.6
–
2.3
2.2
1.7
–
–
–
–
–
–
0.4
0.2
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 The deductible is the amount of covered expenses that an individual or family must pay before
any charges are paid by the medical care plan. Deductibles that apply separately to a specific
category of expenses, such as deductible for each hospital admission, were excluded.
2 Less than 0.05.
3 The categories are based on the average wage for each occupation surveyed, which may
include workers 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, 2008." 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/glossary20092010.htm.
Table 11. Fee-for-service plans: Coinsurance percentage,1 private industry workers, National Compensation Survey, 2009
(All workers participating in fee-for-service plans with coinsurance = 100 percent)
Fixed coinsurance
Characteristics
Total
Variable coinsurance
Median coinsurance percentage
Median
coinsurance
percentage
With fixed
coinsurance
With variable
coinsurance
In-network
Out-ofnetwork
With other
coinsurance
Point-ofservice
Worker characteristic
All workers ........................................................................
100
–
–
86
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
100
100
100
100
100
–
–
–
–
–
–
–
–
17
–
21
–
–
15
–
–
–
–
–
–
–
–
80
–
80
–
–
80
87
88
87
79
96
87
86
87
83
88
79
87
89
85
80
85
80
80
90
80
85
80
90
85
90
80
80
80
60
60
60
60
60
60
60
60
70
70
70
60
60
60
90
85
95
100
100
90
100
90
90
90
90
90
90
90
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ............................................................................
Part time ............................................................................
100
100
–
–
–
–
86
82
80
80
60
60
90
90
–
–
Union .................................................................................
Nonunion ...........................................................................
100
100
–
–
–
–
83
87
90
80
70
60
100
90
–
–
Average wage within the following categories:2
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
100
100
100
100
100
–
–
–
–
–
–
–
–
–
–
78
88
85
88
89
80
80
85
80
85
60
60
60
60
60
100
100
90
90
90
–
–
–
–
–
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
100
100
100
–
–
–
–
–
–
88
85
88
85
80
85
60
64
60
90
–
90
–
–
–
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Retail trade ................................................................
Transportation and warehousing ..............................
Information ....................................................................
Financial activities .........................................................
Finance and insurance ..............................................
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 ............
Health care and social assistance ............................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
–
10
11
12
–
16
17
15
21
–
–
–
–
–
–
–
80
80
80
–
80
80
80
90
–
–
–
–
–
–
86
90
89
88
83
84
83
85
79
91
96
84
92
93
83
80
80
80
85
90
85
85
80
90
80
80
80
80
80
80
60
60
60
60
70
60
60
60
60
60
60
60
60
60
60
90
90
100
90
90
90
90
75
90
80
80
100
80
100
100
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 11. Fee-for-service plans: Coinsurance percentage,1 private industry workers, National Compensation Survey,
2009—Continued
(All workers participating in fee-for-service plans with coinsurance = 100 percent)
Fixed coinsurance
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Total
With fixed
coinsurance
Variable coinsurance
Median
coinsurance
percentage
Median coinsurance percentage
With variable
coinsurance
In-network
Out-ofnetwork
With other
coinsurance
Point-ofservice
100
100
100
100
100
100
–
16
–
–
–
–
–
80
–
–
–
–
84
84
85
87
87
87
80
80
80
85
85
85
60
60
60
60
60
60
80
80
80
95
90
95
–
–
–
–
–
–
100
100
100
100
100
100
100
100
100
–
19
–
–
–
–
–
–
–
–
80
–
–
–
–
–
–
–
90
81
91
76
88
79
85
84
90
90
100
80
80
80
80
80
80
80
65
70
60
60
60
60
60
60
60
90
100
100
90
95
100
90
80
85
–
–
–
–
–
–
–
–
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 Represents the initial coinsurance in plans that have 100 percent coverage after the individual
pays a specified dollar amount toward expenses. For example, the plan pays 80 percent until the
individual’s out-of-pocket expenses reach $1,000, and then coverage is 100 percent.
2 The categories are based on the average wage for each occupation surveyed, which may
include workers 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, 2008." 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/glossary20092010.htm.
Table 11. Standard errors for fee-for-service plans: Coinsurance percentage,1 private industry workers, National
Compensation Survey, 2009
Fixed coinsurance
Characteristics
Variable coinsurance
Median coinsurance percentage
Median
coinsurance
percentage
With fixed
coinsurance
With variable
coinsurance
In-network
Out-ofnetwork
With other
coinsurance
Point-ofservice
Worker characteristic
All workers ........................................................................
–
–
1.3
1.0
0.0
2.2
–
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 .............................
–
–
–
–
–
–
–
–
3.8
–
6.2
–
–
3.8
–
–
–
–
–
–
–
–
0.0
–
0.0
–
–
0.0
2.1
2.0
3.1
4.9
2.4
1.5
3.3
1.9
3.8
3.8
6.2
2.5
2.5
3.8
0.0
6.6
0.0
4.6
9.6
2.4
6.1
1.0
3.4
6.9
0.0
3.1
2.4
10.6
0.0
0.0
0.0
1.3
11.4
0.0
0.0
0.0
1.0
7.3
2.6
0.0
0.0
0.0
4.0
7.1
8.6
0.0
11.1
6.8
13.6
1.0
0.0
0.0
14.7
0.0
10.4
3.7
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ............................................................................
Part time ............................................................................
–
–
–
–
1.3
4.0
2.6
0.0
0.0
0.0
2.8
9.0
–
–
Union .................................................................................
Nonunion ...........................................................................
–
–
–
–
2.2
1.4
6.7
0.0
6.2
0.0
11.6
2.0
–
–
Average wage within the following categories:2
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
–
–
–
–
–
–
–
–
–
–
3.7
1.4
2.6
1.3
2.3
0.0
0.0
6.2
5.6
6.7
0.0
0.0
0.0
0.0
1.0
0.0
1.0
2.4
0.0
0.0
–
–
–
–
–
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
–
–
–
–
–
–
2.0
5.8
2.2
6.6
10.7
4.6
0.0
9.9
1.0
4.2
–
6.5
–
–
–
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Retail trade ................................................................
Transportation and warehousing ..............................
Information ....................................................................
Financial activities .........................................................
Finance and insurance ..............................................
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 ............
Health care and social assistance ............................
–
1.5
2.4
3.2
–
2.3
2.5
2.4
5.3
–
–
–
–
–
–
–
0.0
0.0
9.2
–
0.0
0.0
0.0
13.7
–
–
–
–
–
–
1.5
1.5
2.4
3.2
5.0
2.3
2.5
2.4
5.3
3.2
2.4
4.7
3.1
3.2
5.4
0.0
2.8
0.0
8.1
1.7
1.4
0.0
1.4
6.9
6.5
8.5
0.0
0.0
2.2
0.0
0.0
0.0
0.0
0.0
6.5
2.0
2.0
0.0
5.1
0.0
0.0
0.0
3.2
5.4
0.0
7.0
3.4
7.8
9.2
19.0
10.6
10.6
8.7
0.0
13.7
0.0
0.0
8.8
0.0
0.0
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 11. Standard errors for fee-for-service plans: Coinsurance percentage,1 private industry workers, National
Compensation Survey, 2009—Continued
Fixed coinsurance
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
With fixed
coinsurance
Variable coinsurance
Median
coinsurance
percentage
Median coinsurance percentage
With variable
coinsurance
In-network
Out-ofnetwork
With other
coinsurance
Point-ofservice
–
3.2
–
–
–
–
–
0.0
–
–
–
–
2.4
3.2
4.0
1.1
1.5
2.1
0.0
0.0
5.5
5.7
6.9
5.4
0.0
0.0
0.0
0.0
0.0
0.0
13.5
18.6
10.5
9.0
6.6
7.3
–
–
–
–
–
–
–
4.3
–
–
–
–
–
–
–
–
0.0
–
–
–
–
–
–
–
2.9
4.3
1.5
5.2
1.7
8.7
4.5
2.8
3.6
5.9
11.3
7.2
0.0
0.0
6.2
0.0
0.0
0.0
7.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
10.9
0.0
4.4
12.6
7.7
10.4
2.8
13.8
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 Represents the initial coinsurance in plans that have 100 percent coverage after the
individual pays a specified dollar amount toward expenses. For example, the plan pays 80
percent until the individual’s out-of-pocket expenses reach $1,000, and then coverage is 100
percent.
2 The categories are based on the average wage for each occupation surveyed, which
may include workers 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, 2008." 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/glossary20092010.htm.
Table 12. Fee-for-service plans: Amount of annual individual out-of-pocket maximum,1 private industry workers, National Compensation
Survey, 2009
(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
Worker characteristic
All workers ........................................................................
100
80
$825
$1,200
$1,900
$2,500
$3,600
19
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
100
100
100
100
100
80
85
77
76
68
83
83
83
76
76
76
79
79
80
900
1,000
900
750
1,000
900
1,000
800
750
1,000
750
750
700
850
1,200
1,250
1,200
1,500
1,500
1,200
1,400
1,000
1,000
1,200
1,000
1,000
1,150
1,000
1,900
2,000
1,750
2,000
2,150
2,000
2,000
1,900
2,000
2,000
1,500
1,500
1,500
1,500
2,500
2,500
2,500
3,000
3,000
2,500
2,700
2,500
2,500
3,000
2,500
2,500
2,500
2,500
3,400
3,400
3,250
4,500
3,500
3,700
4,500
3,300
3,500
4,000
3,000
4,000
4,000
3,500
19
13
22
24
–
16
17
16
23
24
23
19
19
19
2
2
1
1
–
1
2
( )
1
1
–
1
2
2
2
Full time ............................................................................
Part time ............................................................................
100
100
80
78
825
–
1,200
–
1,850
–
2,500
–
3,500
–
19
21
1
1
Union .................................................................................
Nonunion ...........................................................................
100
100
69
82
800
850
1,000
1,200
1,500
2,000
2,300
2,500
3,000
3,650
30
17
1
1
Average wage within the following categories:3
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
100
100
100
100
100
80
80
81
78
78
750
750
800
1,000
1,000
1,250
1,000
1,000
1,250
1,250
2,000
1,750
1,600
2,000
2,000
3,200
2,500
2,500
2,500
2,500
4,500
3,500
3,500
3,500
3,500
19
18
18
21
22
1
2
1
1
1
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
100
100
100
82
85
81
850
1,000
750
1,000
1,150
1,000
1,700
2,000
1,600
2,500
3,000
2,500
4,000
5,000
3,700
17
15
18
1
–
1
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Retail trade ................................................................
Transportation and warehousing ..............................
Information ....................................................................
Financial activities .........................................................
Finance and insurance ..............................................
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 ............
Health care and social assistance ............................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
79
83
85
76
85
78
77
80
76
78
78
75
79
75
74
800
1,000
1,000
1,000
850
950
900
1,000
900
900
1,000
750
750
800
750
1,200
1,200
1,250
1,250
1,400
1,375
1,200
1,375
1,000
1,250
1,500
1,000
1,000
1,000
1,000
1,900
1,750
1,800
1,500
2,000
2,000
2,000
2,000
1,900
2,000
2,000
1,500
1,500
1,500
1,500
2,500
2,500
2,500
3,000
2,500
2,500
2,500
3,000
2,500
2,500
2,500
2,000
2,500
2,500
2,000
3,500
3,650
4,000
3,600
3,500
3,700
3,500
3,700
3,500
3,400
3,400
3,000
4,000
2,750
3,000
19
16
15
24
13
20
21
20
19
21
22
23
21
25
24
1
1
–
–
2
2
2
(2)
5
1
–
2
–
–
2
Establishment characteristic
See footnotes at end of table.
Table 12. Fee-for-service plans: Amount of annual individual out-of-pocket maximum,1 private industry workers, National Compensation
Survey, 2009—Continued
(All workers participating in fee-for-service plans = 100 percent)
Amount of out-of-pocket maximum
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Total
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no out-ofpocket
maximum
Not
determinable
100
100
100
100
100
100
80
79
82
80
83
77
$800
1,000
750
850
750
900
$1,200
1,200
1,000
1,200
1,250
1,100
$2,000
2,000
2,000
1,750
1,750
1,700
$2,500
2,500
2,750
2,500
2,500
2,500
$4,000
4,000
3,800
3,500
3,500
4,000
19
20
17
19
17
22
1
1
1
1
1
2
100
100
100
100
100
100
100
100
100
60
56
86
85
83
88
87
77
89
1,000
750
800
500
1,000
600
1,000
1,000
900
1,350
1,000
1,000
1,000
1,400
1,000
1,200
1,500
1,250
2,300
1,500
1,500
1,600
2,000
1,500
2,000
2,000
2,000
2,900
2,500
2,500
2,300
2,700
2,250
3,000
2,800
2,500
4,000
3,300
3,800
3,000
4,000
3,500
4,000
4,000
3,600
40
42
12
–
15
11
12
20
11
1
2
2
–
2
1
1
3
2
( )
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a participant
or a family must pay after the deductible has been satisfied. Once reached, covered expenses are fully
reimbursed for the rest of the year.
2 Less than 0.5 percent.
3 The categories are based on the average wage for each occupation surveyed, which may include
workers 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, 2008." 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/glossary20092010.htm.
Table 12. Standard errors for fee-for-service plans: Amount of annual individual out-of-pocket maximum,1 private industry
workers, National Compensation Survey, 2009
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
Worker characteristic
All workers ........................................................................
1.1
$94.95
$170.63
$197.80
$0.00
$311.06
1.0
0.3
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 .............................
2.1
1.6
3.0
3.4
14.6
1.7
2.8
1.9
3.0
4.0
4.8
2.8
3.5
4.6
121.29
141.49
152.87
162.69
451.93
129.00
0.00
80.95
135.25
0.00
114.41
144.85
174.30
219.16
64.33
221.88
70.92
134.79
537.44
240.16
137.00
98.11
49.05
160.02
33.99
78.64
191.09
0.00
210.64
88.30
139.78
52.83
596.84
176.32
48.06
202.49
542.08
201.06
188.97
252.99
267.96
528.41
0.00
282.13
70.75
515.97
458.07
52.83
352.91
0.00
307.91
70.75
144.60
65.81
120.95
223.29
136.29
131.99
514.65
867.79
238.70
238.50
633.76
364.19
673.30
1,105.65
191.50
509.87
207.89
272.77
1.9
1.4
3.0
3.5
–
1.7
2.8
2.0
3.0
4.0
4.6
2.5
3.1
4.1
0.6
1.4
0.5
0.4
–
0.4
0.2
0.6
0.4
–
0.9
0.9
1.2
1.4
Full time ............................................................................
Part time ............................................................................
1.2
5.5
91.75
–
197.62
–
188.84
–
0.00
–
265.61
–
1.1
5.5
0.3
0.5
Union .................................................................................
Nonunion ...........................................................................
3.2
1.1
198.24
100.53
55.50
101.48
0.00
156.05
223.29
19.62
1,149.40
288.96
3.5
1.1
1.2
0.3
Average wage within the following categories:2
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
2.2
1.9
1.7
2.0
3.0
82.08
210.26
107.54
94.59
65.11
249.55
230.34
66.36
40.45
83.97
35.37
227.34
153.56
48.06
157.58
570.54
0.00
0.00
192.00
225.01
206.02
185.11
423.63
148.14
194.55
2.4
1.7
1.7
1.9
2.9
0.7
0.9
0.3
0.4
0.2
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
2.1
3.1
2.7
147.23
0.00
183.68
180.77
258.68
145.89
175.23
227.13
192.50
126.40
761.52
76.62
118.14
19.62
411.35
2.0
3.1
2.5
0.5
–
0.7
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Retail trade ................................................................
Transportation and warehousing ..............................
Information ....................................................................
Financial activities .........................................................
Finance and insurance ..............................................
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 ............
Health care and social assistance ............................
1.2
2.2
2.8
7.0
3.8
2.8
3.2
2.9
4.6
4.2
5.6
3.7
4.7
4.8
4.1
119.75
55.50
0.00
49.05
129.78
89.38
13.87
39.24
0.00
189.22
0.00
168.22
94.10
50.02
320.92
121.35
187.69
275.75
267.42
266.52
146.59
237.09
150.71
0.00
197.92
306.50
57.21
0.00
171.34
136.29
164.24
242.70
253.56
563.75
371.90
0.00
75.99
62.82
473.16
100.05
73.42
0.00
210.87
48.06
0.00
0.00
51.91
87.75
707.19
178.76
415.31
0.00
463.50
0.00
169.64
590.28
131.99
530.32
428.54
70.75
107.02
429.55
529.51
853.02
785.79
224.79
219.59
308.06
664.02
347.69
526.50
443.55
869.23
353.73
277.49
1.2
2.2
2.8
7.0
3.6
2.7
3.0
2.9
4.2
4.1
5.6
3.5
4.7
4.8
3.8
0.4
0.3
–
–
1.0
0.9
1.1
0.1
2.8
0.7
–
1.0
–
–
1.2
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,1 private industry
workers, National Compensation Survey, 2009—Continued
Amount of out-of-pocket maximum
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no out-ofpocket
maximum
Not
determinable
1.8
2.2
2.7
1.2
2.0
1.7
$144.85
132.35
134.52
111.86
180.32
138.14
$274.52
200.10
221.34
133.63
192.62
159.93
$66.54
56.36
494.05
72.26
206.14
70.75
$288.87
279.39
320.02
0.00
234.23
279.56
$425.61
444.98
541.19
160.61
323.01
378.98
1.8
2.1
2.7
1.2
1.9
2.1
0.5
0.6
0.8
0.4
0.5
0.9
6.2
2.1
2.0
5.1
2.9
2.7
3.1
5.0
2.5
125.64
55.50
73.66
116.63
33.99
156.36
34.27
100.05
192.25
223.50
231.80
48.06
0.00
136.21
0.00
134.53
230.08
93.59
328.04
400.32
291.69
221.14
0.00
324.64
326.86
29.43
306.02
255.08
230.71
372.94
345.61
366.16
432.23
266.16
398.51
474.88
1,459.68
416.87
905.99
0.00
389.60
486.60
172.46
370.44
683.59
5.9
2.4
2.0
–
3.0
2.9
3.1
3.9
2.5
0.5
1.3
0.8
–
1.0
1.4
0.5
1.6
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 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a
participant or a family must pay after the deductible has been satisfied. Once reached, covered
expenses are fully reimbursed for the rest of the year.
2 The categories are based on the average wage for each occupation surveyed, which may
include workers 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, 2008." 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/glossary20092010.htm.
Table 13. Fee-for-service plans: Amount of annual family out-of-pocket maximum,1 private industry workers, National Compensation
Survey, 2009
(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
Worker characteristic
All workers ........................................................................
100
72
$1,640
$2,500
$4,000
$5,250
$7,500
27
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
100
100
100
100
100
73
76
72
59
56
75
77
75
68
64
73
72
74
69
1,800
1,800
1,500
1,500
2,400
1,900
2,000
1,500
1,500
2,000
–
1,600
1,500
2,000
2,600
3,000
2,500
3,000
3,000
2,600
3,000
2,300
2,300
2,400
–
2,500
2,475
2,600
4,000
4,000
4,000
3,600
4,500
4,000
4,000
3,600
3,000
4,500
–
3,500
3,400
4,000
5,200
5,250
5,000
4,500
6,600
5,100
6,000
5,000
5,250
5,550
–
6,000
5,000
6,000
7,500
7,500
7,500
7,000
7,000
7,600
8,500
7,500
7,500
9,800
–
8,000
8,000
8,000
25
22
27
41
–
24
23
24
31
36
26
26
23
29
2
2
1
1
–
1
2
( )
1
1
–
1
2
2
2
Full time ............................................................................
Part time ............................................................................
100
100
72
64
1,650
1,500
2,500
3,000
4,000
3,500
5,300
4,600
7,600
6,000
26
35
1
1
Union .................................................................................
Nonunion ...........................................................................
100
100
55
74
1,640
1,600
2,500
2,500
3,000
4,000
5,000
5,300
6,000
7,600
43
24
1
1
Average wage within the following categories:3
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
100
100
100
100
100
66
74
75
69
71
1,500
1,640
1,500
2,000
2,000
2,500
2,500
2,400
2,700
2,850
4,000
3,800
3,600
4,000
4,000
6,000
5,000
5,000
5,400
5,400
9,750
7,500
7,500
7,500
7,500
33
24
24
30
29
1
2
1
1
1
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
100
100
100
76
73
75
1,640
2,000
1,500
2,400
2,400
2,475
3,450
4,500
3,400
5,300
7,000
5,000
8,000
10,000
7,700
23
27
23
1
–
1
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Retail trade ................................................................
Transportation and warehousing ..............................
Information ....................................................................
Financial activities .........................................................
Finance and insurance ..............................................
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 ............
Health care and social assistance ............................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
70
75
80
62
82
80
79
78
82
66
67
72
76
73
72
1,800
2,000
2,000
2,000
2,000
2,000
2,000
2,000
2,000
2,000
2,000
1,250
–
2,000
–
2,600
3,000
3,000
2,700
2,800
2,750
2,700
2,750
2,300
2,600
3,000
2,000
–
2,500
–
4,000
4,000
4,000
4,000
4,000
4,000
4,000
4,000
3,400
4,000
4,000
3,000
–
3,400
–
5,200
5,500
5,000
6,000
5,500
6,000
5,000
6,000
5,000
5,050
5,200
4,500
–
4,500
–
7,500
8,500
9,000
8,000
7,500
7,600
7,500
7,900
7,500
6,800
6,000
7,000
–
7,000
–
28
25
20
38
16
18
19
22
13
33
33
26
24
27
26
1
1
–
–
2
2
2
(2)
5
1
–
2
–
–
2
Establishment characteristic
See footnotes at end of table.
Table 13. Fee-for-service plans: Amount of annual family out-of-pocket maximum,1 private industry workers, National Compensation
Survey, 2009—Continued
(All workers participating in fee-for-service plans = 100 percent)
Amount of out-of-pocket maximum
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Total
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no out-ofpocket
maximum
Not
determinable
100
100
100
100
100
100
68
67
72
74
76
72
$1,500
1,800
1,500
1,750
1,750
1,800
$2,500
2,500
2,500
2,500
2,800
2,300
$4,000
4,000
4,000
3,750
4,000
3,400
$5,250
5,000
6,000
5,100
5,000
5,400
$7,500
7,500
7,600
7,500
7,500
8,000
30
31
27
24
23
26
1
1
1
1
1
2
100
100
100
100
100
100
100
100
100
55
52
78
77
77
81
80
63
70
2,300
1,500
1,500
1,500
2,000
–
2,000
2,000
1,800
3,200
2,400
2,350
2,000
3,000
–
2,800
3,000
2,700
4,800
3,500
3,200
3,000
4,000
–
4,000
4,000
4,000
6,000
5,000
5,000
4,600
6,000
–
6,000
5,000
5,700
8,700
7,000
6,200
6,000
8,000
–
9,000
6,400
8,000
44
46
20
23
21
18
19
34
29
1
2
2
–
2
1
1
3
2
( )
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a participant
or a family must pay after the deductible has been satisfied. Once reached, covered expenses are fully
reimbursed for the rest of the year.
2 Less than 0.5 percent.
3 The categories are based on the average wage for each occupation surveyed, which may include
workers 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, 2008." 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/glossary20092010.htm.
Table 13. Standard errors for fee-for-service plans: Amount of annual family out-of-pocket maximum,1 private industry workers,
National Compensation Survey, 2009
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
Worker characteristic
All workers ........................................................................
1.3
$262.10
$48.31
$158.80
$294.48
$327.50
1.3
0.3
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
2.5
2.9
4.7
13.0
2.1
2.6
2.6
3.3
4.5
4.8
3.1
3.6
5.0
335.72
213.14
418.54
219.37
485.01
251.67
114.41
164.12
581.06
227.95
–
223.58
173.76
449.58
244.17
367.20
222.72
636.41
950.78
199.75
135.94
371.47
442.86
288.37
–
87.06
102.66
387.82
93.59
102.90
388.86
756.12
215.17
0.00
217.61
382.74
908.11
653.43
–
555.67
309.62
281.28
252.23
460.37
153.25
1,025.30
1,277.96
440.94
285.69
0.00
359.53
669.07
–
488.57
1,080.92
153.25
374.35
451.51
710.58
808.48
369.83
380.22
1,062.78
392.55
828.18
1,358.28
–
558.78
966.55
1,215.93
2.1
2.3
2.9
4.9
–
2.1
2.6
2.6
3.2
4.5
4.7
2.9
3.2
4.8
0.6
1.4
0.5
0.4
–
0.4
0.2
0.6
0.4
–
0.9
0.9
1.2
1.4
Full time ............................................................................
Part time ............................................................................
1.3
6.1
262.98
588.64
25.01
614.09
143.52
643.48
303.34
522.09
409.94
548.70
1.2
6.1
0.3
0.5
Union .................................................................................
Nonunion ...........................................................................
4.0
1.4
262.67
316.09
401.16
37.35
847.87
39.24
677.15
342.67
1,651.00
387.70
4.7
1.4
1.2
0.3
Average wage within the following categories:2
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
3.4
1.9
2.1
2.1
3.1
679.71
248.36
263.22
39.24
0.00
381.11
185.43
143.94
260.49
209.96
0.00
379.33
476.50
39.24
39.24
101.96
141.49
386.99
239.91
331.97
1,454.24
499.48
362.86
302.07
493.86
3.5
1.9
2.1
2.0
3.1
0.7
0.9
0.3
0.4
0.2
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
2.5
4.3
3.2
202.75
0.00
194.24
152.54
537.35
178.57
407.82
578.08
414.96
493.66
1,644.57
78.49
421.40
39.24
656.07
2.3
4.3
3.0
0.5
–
0.7
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Retail trade ................................................................
Transportation and warehousing ..............................
Information ....................................................................
Financial activities .........................................................
Finance and insurance ..............................................
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 ............
Health care and social assistance ............................
1.6
2.4
2.9
8.2
4.4
2.4
2.8
3.1
4.5
5.5
7.7
4.0
4.7
5.0
4.4
437.65
0.00
49.05
837.77
298.86
0.00
98.11
103.36
248.97
313.94
92.03
447.76
–
517.28
–
176.32
330.08
176.59
444.85
89.38
247.81
238.70
329.94
283.66
473.97
412.98
452.78
–
161.21
–
49.05
0.00
111.00
750.76
505.99
0.00
135.94
78.49
731.67
0.00
98.11
0.00
–
712.14
–
323.90
571.97
366.69
744.71
849.63
448.51
256.02
772.99
287.04
192.25
331.97
478.82
–
767.81
–
98.11
1,524.17
1,518.82
2,373.66
1,806.22
219.37
353.19
669.14
1,316.24
693.17
1,658.10
612.52
–
1,487.87
–
1.6
2.3
2.9
8.2
4.1
2.2
2.5
3.1
3.5
5.5
7.7
3.9
4.7
5.0
4.3
0.4
0.3
–
–
1.0
0.9
1.1
0.1
2.8
0.7
–
1.0
–
–
1.2
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,1 private industry workers,
National Compensation Survey, 2009—Continued
Amount of out-of-pocket maximum
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no out-ofpocket
maximum
Not
determinable
2.1
2.9
3.6
1.5
2.0
2.2
$355.36
493.18
455.12
223.10
310.56
282.80
$222.64
337.01
453.82
63.67
400.95
120.95
$168.79
327.60
397.91
364.32
90.98
201.78
$606.76
160.61
0.00
435.67
399.00
301.43
$188.20
346.03
473.77
640.63
653.94
239.51
2.1
2.8
3.7
1.5
2.0
2.6
0.5
0.6
0.8
0.4
0.5
0.9
4.5
2.8
2.4
4.1
2.5
2.7
4.5
7.2
4.1
742.51
630.20
288.03
228.82
0.00
–
136.80
248.19
494.83
487.09
560.50
196.03
350.04
64.33
–
445.71
381.99
318.51
406.40
746.71
399.00
433.12
0.00
–
343.93
0.00
448.30
781.05
709.43
491.52
705.01
0.00
–
0.00
426.74
859.32
1,237.20
263.98
1,522.68
452.57
528.32
–
735.80
1,181.73
590.93
4.3
3.5
2.4
4.1
2.6
3.0
4.5
6.3
4.1
0.5
1.3
0.8
–
1.0
1.4
0.5
1.6
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 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a
participant or a family must pay after the deductible has been satisfied. Once reached, covered
expenses are fully reimbursed for the rest of the year.
2 The categories are based on the average wage for each occupation surveyed, which may include
workers 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, 2008." 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/glossary20092010.htm.
Table 14. Health maintenance organizations: Summary of selected features, private industry workers, National Compensation
Survey, 2009
(All workers participating in health maintenance organizations = 100 percent)
Annual deductible1
Characteristics
Yes
Coinsurance2
Not
determinable
No
Yes
Annual out-of-pocket maximum3
Not
determinable
No
Yes
Not
determinable
No
Worker characteristic
All workers ........................................................................
34
65
(4)
15
85
–
54
45
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 .............................
32
27
35
38
–
34
33
35
48
59
–
26
22
32
68
73
65
62
91
65
67
64
52
41
63
74
78
68
–
–
–
–
–
1
–
1
(4)
–
–
–
–
–
15
–
19
–
–
15
–
16
–
–
–
–
–
–
85
94
81
85
92
85
86
84
81
80
82
88
88
87
–
–
–
–
–
–
–
–
–
–
–
–
–
–
59
53
62
59
–
49
47
50
42
42
42
58
63
51
41
47
38
39
72
49
51
48
58
58
58
41
37
47
–
–
–
2
–
1
1
1
–
–
–
1
–
3
Full time ............................................................................
Part time ............................................................................
35
26
65
74
(4)
–
15
–
85
88
–
–
55
36
45
56
(4)
8
Union .................................................................................
Nonunion ...........................................................................
25
36
75
64
–
(4)
–
16
95
84
–
–
33
57
60
43
6
–
Average wage within the following categories:5
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
29
35
41
30
29
71
64
59
70
71
–
1
(4)
–
–
–
20
18
10
–
87
80
82
90
92
–
–
–
–
–
51
61
55
50
52
48
37
45
50
48
1
3
–
–
–
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
36
47
33
64
53
67
–
–
–
14
–
–
86
92
84
–
–
–
48
29
57
52
71
43
–
–
–
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Retail trade ................................................................
Transportation and warehousing ..............................
Information ....................................................................
Financial activities .........................................................
Finance and insurance ..............................................
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 ............
Health care and social assistance ............................
34
28
–
–
–
23
27
24
42
–
–
46
33
25
49
66
71
74
55
91
77
73
76
58
71
66
54
67
75
51
(4)
1
–
–
–
–
–
–
–
–
–
–
–
–
–
15
–
–
–
–
–
–
–
–
–
–
26
–
–
–
85
92
88
100
100
93
93
95
87
91
86
74
90
98
70
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
56
42
45
–
48
54
43
–
62
60
64
67
49
35
71
43
53
50
77
52
46
57
68
38
40
–
33
51
65
29
1
4
5
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 14. Health maintenance organizations: Summary of selected features, private industry workers, National Compensation
Survey, 2009—Continued
(All workers participating in health maintenance organizations = 100 percent)
Annual deductible1
Characteristics
Yes
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Coinsurance2
Not
determinable
No
Yes
Annual out-of-pocket maximum3
Not
determinable
No
Yes
Not
determinable
No
41
43
37
27
27
26
58
57
63
73
73
74
(4)
1
(4)
–
–
–
17
17
–
13
–
–
83
83
82
87
89
85
–
–
–
–
–
–
60
60
60
48
50
45
40
40
40
51
47
54
–
–
–
2
2
1
32
27
34
82
44
–
45
44
–
68
73
66
–
55
64
55
56
78
–
(4)
–
–
1
–
–
–
–
–
–
15
–
–
–
–
–
–
95
94
85
–
72
93
93
60
94
–
–
–
–
–
–
–
–
–
32
35
41
–
63
–
47
71
73
68
65
58
–
35
–
53
–
26
–
–
1
–
2
7
–
–
(4)
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 The deductible is the amount of covered expenses that an individual or family must pay before
any charges are paid by the medical care plan. Deductibles that apply separately to a specific
category of expenses, such as deductible for each hospital admission, were excluded.
2 Represents the initial coinsurance in plans that have 100 percent coverage after the individual
pays a specified dollar amount toward expenses. For example, the plan pays 80 percent until the
individual’s out-of-pocket expenses reach $1,000, and then coverage is 100 percent.
3 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a
participant or a family must pay after the deductible has been satisfied. Once reached, covered
expenses are fully reimbursed for the rest of the year.
4 Less than 0.5 percent.
5 The categories are based on the average wage for each occupation surveyed, which may
include workers 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, 2008."
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/glossary20092010.htm.
Table 14. Standard errors for health maintenance organizations: Summary of selected features, private industry workers, National
Compensation Survey, 2009
Annual deductible1
Characteristics
Yes
Coinsurance2
Not
determinable
No
Yes
Annual out-of-pocket maximum3
Not
determinable
No
Yes
Not
determinable
No
Worker characteristic
All workers ........................................................................
3.4
3.4
0.2
2.7
2.7
–
3.1
3.1
0.3
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 .............................
4.0
4.5
5.1
10.0
–
5.0
6.9
5.2
8.6
10.8
–
5.3
6.1
8.2
4.0
4.5
5.1
10.0
8.0
5.0
6.9
5.3
8.6
10.8
11.7
5.3
6.1
8.2
–
–
–
–
–
0.8
–
1.1
0.1
–
–
–
–
–
3.9
–
4.9
–
–
3.5
–
4.5
–
–
–
–
–
–
3.9
2.2
4.9
5.3
8.0
3.5
5.2
4.5
9.1
14.7
10.8
3.9
4.2
5.5
–
–
–
–
–
–
–
–
–
–
–
–
–
–
4.4
6.4
4.7
8.3
–
4.1
7.8
4.5
8.1
12.3
10.1
6.2
7.3
7.2
4.4
6.4
4.7
8.2
15.3
4.1
7.8
4.5
8.1
12.3
10.1
6.2
7.3
7.2
–
–
–
1.5
–
0.6
0.8
0.7
–
–
–
1.0
–
2.7
Full time ............................................................................
Part time ............................................................................
3.6
5.0
3.5
5.0
0.2
–
2.8
–
2.8
4.4
–
–
3.1
7.3
3.1
7.1
0.2
4.5
Union .................................................................................
Nonunion ...........................................................................
5.1
3.7
5.1
3.7
–
0.2
–
3.0
1.7
3.0
–
–
5.4
3.3
5.4
3.3
2.7
–
Average wage within the following categories:4
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
7.5
6.3
4.4
3.3
5.1
7.5
6.2
4.4
3.3
5.1
–
1.0
0.1
–
–
–
3.7
4.5
2.2
–
5.5
3.7
4.5
2.2
2.8
–
–
–
–
–
7.5
4.6
4.3
4.4
5.8
7.5
4.7
4.3
4.4
5.8
0.8
1.2
–
–
–
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
4.9
8.9
6.7
4.9
8.9
6.7
–
–
–
3.6
–
–
3.6
4.0
5.1
–
–
–
5.9
7.9
6.7
5.9
7.9
6.7
–
–
–
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Retail trade ................................................................
Transportation and warehousing ..............................
Information ....................................................................
Financial activities .........................................................
Finance and insurance ..............................................
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 ............
Health care and social assistance ............................
4.2
6.6
–
–
–
3.9
4.3
5.9
10.2
–
–
8.2
9.3
5.8
9.3
4.1
6.5
8.0
13.5
5.7
3.9
4.3
5.9
10.2
9.2
12.7
8.2
9.3
5.8
9.3
0.3
1.2
–
–
–
–
–
–
–
–
–
–
–
–
–
3.1
–
–
–
–
–
–
–
–
–
–
7.5
–
–
–
3.1
4.8
7.4
(5)
(5)
2.4
3.0
2.5
9.0
6.2
10.1
7.5
7.4
1.2
8.9
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
3.4
5.7
7.4
–
9.9
6.6
5.2
–
10.4
7.6
11.2
6.0
9.2
4.4
6.7
3.4
5.5
7.5
10.0
9.9
6.6
5.2
9.7
10.4
7.6
–
6.0
9.2
4.4
6.7
0.4
1.8
2.3
–
–
–
–
–
–
–
–
–
–
–
–
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, 2009—Continued
Annual deductible1
Characteristics
Yes
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Coinsurance2
Not
determinable
No
Yes
Annual out-of-pocket maximum3
Not
determinable
No
Yes
Not
determinable
No
5.0
6.8
7.0
4.3
5.7
5.8
5.0
6.8
7.1
4.3
5.7
5.8
0.4
0.6
0.1
–
–
–
4.2
4.8
–
3.5
–
–
4.2
4.8
6.8
3.5
3.8
5.8
–
–
–
–
–
–
4.5
4.9
7.1
3.9
6.3
5.2
4.5
4.9
7.1
3.8
6.1
5.2
–
–
–
0.7
1.1
0.8
5.4
7.2
9.0
7.2
9.1
–
11.2
12.3
–
5.4
7.1
9.0
–
9.0
17.7
11.2
12.3
7.8
–
0.1
–
–
1.1
–
–
–
–
–
–
4.2
–
–
–
–
–
–
2.8
4.9
4.2
–
8.5
3.9
4.3
14.5
1.8
–
–
–
–
–
–
–
–
–
6.7
2.2
6.4
–
6.7
–
10.1
10.1
6.6
6.7
2.2
6.4
–
7.1
–
10.1
–
6.4
–
–
0.5
–
1.2
6.0
–
–
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 deductible is the amount of covered expenses that an individual or family must pay before
any charges are paid by the medical care plan. Deductibles that apply separately to a specific
category of expenses, such as deductible for each hospital admission, were excluded.
2 Represents the initial coinsurance in plans that have 100 percent coverage after the individual
pays a specified dollar amount toward expenses. For example, the plan pays 80 percent until the
individual’s out-of-pocket expenses reach $1,000, and then coverage is 100 percent.
3 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a
participant or a family must pay after the deductible has been satisfied. Once reached, covered
expenses are fully reimbursed for the rest of the year.
4 The categories are based on the average wage for each occupation surveyed, which may
include workers 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, 2008."
See Technical Note for more details.
5 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/glossary20092010.htm.
Table 15. Outpatient prescription drug benefits: Type of coverage, private industry workers,
National Compensation Survey, 2009
(All workers participating in outpatient prescription drug plans = 100 percent)
Characteristics
Generic drugs
Brand-name
drugs
Higher
reimbursement
for formulary
drugs1
Mail order
drugs
Worker characteristic
All workers ........................................................................
100
99
79
74
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
99
100
98
100
100
100
100
100
100
99
99
99
99
100
98
99
98
99
98
100
100
99
100
79
81
78
62
69
85
85
85
79
79
78
79
82
75
79
79
79
72
63
72
72
72
73
70
76
73
73
72
Full time ............................................................................
Part time ............................................................................
100
100
99
99
79
72
75
62
Union .................................................................................
Nonunion ...........................................................................
100
100
99
99
81
78
65
76
Average wage within the following categories:2
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
99
99
100
100
100
99
99
99
99
99
72
76
77
84
82
70
71
76
77
79
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
100
100
100
99
98
100
82
73
86
71
73
71
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Retail trade ................................................................
Transportation and warehousing ..............................
Information ....................................................................
Financial activities .........................................................
Finance and insurance ..............................................
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 ............
Health care and social assistance ............................
99
99
100
100
100
100
100
100
100
99
98
100
100
100
100
99
99
100
100
99
99
99
100
99
99
98
99
99
99
99
77
81
81
73
88
90
91
88
93
73
72
74
85
83
72
75
69
71
70
83
86
83
78
90
74
79
77
87
85
76
Establishment characteristic
See footnotes at end of table.
Table 15. Outpatient prescription drug benefits: Type of coverage, private industry workers,
National Compensation Survey, 2009—Continued
(All workers participating in outpatient prescription drug plans = 100 percent)
Characteristics
Generic drugs
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Brand-name
drugs
Higher
reimbursement
for formulary
drugs1
Mail order
drugs
100
100
100
100
99
100
99
99
99
99
98
99
73
72
79
83
79
88
74
72
79
75
74
76
100
100
100
99
99
100
100
100
100
100
100
99
98
99
100
99
99
98
84
81
79
68
77
58
81
77
86
87
78
68
76
79
80
71
66
71
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 Formulary drugs are a listing of prescription medications that are
covered by the plan.
2 The categories are based on the average wage for each
occupation surveyed, which may include workers 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, 2008." 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/glossary20092010.htm.
Table 15. Standard errors for outpatient prescription drug benefits: Type of coverage,
private industry workers, National Compensation Survey, 2009
Characteristics
Generic drugs
Brand-name
drugs
Mail order
drugs
Higher
reimbursement
for formulary
drugs1
Worker characteristic
All workers ........................................................................
0.2
0.3
1.5
1.3
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
0.1
(2)
(2)
0.6
(2)
0.9
0.1
0.1
0.2
0.1
0.1
(2)
0.4
0.2
0.6
0.5
(2)
0.7
0.3
1.0
0.6
1.2
(2)
0.2
0.2
0.4
2.5
2.8
3.0
4.1
11.0
1.6
2.1
2.1
3.3
4.2
4.6
2.7
3.0
4.5
2.1
2.8
2.5
4.5
8.8
2.0
3.1
2.7
3.5
5.5
4.0
2.6
3.1
4.2
Full time ............................................................................
Part time ............................................................................
0.2
0.1
0.3
0.4
1.5
4.6
1.4
5.8
Union .................................................................................
Nonunion ...........................................................................
0.1
0.2
0.4
0.4
3.2
1.6
3.6
1.4
Average wage within the following categories:3
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
0.5
0.4
0.2
0.1
0.1
0.7
0.5
0.4
0.2
0.3
3.1
2.5
2.0
2.1
3.4
3.6
2.6
2.1
1.7
2.6
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
(2)
(2)
(2)
0.3
1.1
0.1
2.0
4.9
2.3
2.3
5.2
2.6
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Retail trade ................................................................
Transportation and warehousing ..............................
Information ....................................................................
Financial activities .........................................................
Finance and insurance ..............................................
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 ............
Health care and social assistance ............................
0.2
0.3
(2)
(2)
(2)
0.1
0.1
(2)
(2)
1.1
1.9
0.1
0.1
0.2
0.2
0.4
0.5
0.2
(2)
0.2
0.4
0.5
(2)
1.1
1.1
1.9
0.6
0.4
0.4
0.7
1.8
2.3
2.9
7.5
5.1
1.7
1.6
2.9
2.5
5.6
7.8
3.7
3.0
2.9
4.4
1.5
2.7
3.0
7.2
5.3
2.3
2.3
4.3
2.7
4.3
5.7
3.6
2.4
2.1
4.2
Establishment characteristic
See footnotes at end of table.
Table 15. Standard errors for outpatient prescription drug benefits: Type of coverage,
private industry workers, National Compensation Survey, 2009—Continued
Characteristics
Generic drugs
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Brand-name
drugs
Mail order
drugs
Higher
reimbursement
for formulary
drugs1
0.2
0.2
(2)
0.3
0.6
0.2
0.3
0.3
1.0
0.4
0.7
0.3
2.8
3.6
2.7
1.7
2.8
1.4
2.5
3.1
3.2
1.3
2.0
2.0
(2)
(2)
0.3
0.8
0.9
(2)
0.3
(2)
0.1
0.1
0.2
0.5
0.9
0.9
0.3
0.6
1.3
1.4
9.8
4.2
3.2
6.2
3.6
5.0
4.0
3.3
3.6
4.2
3.1
4.2
3.7
3.0
1.8
2.5
6.7
4.7
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 Formulary drugs are a listing of prescription medications that are
covered by the plan.
2 Less than 0.05.
3 The categories are based on the average wage for each
occupation surveyed, which may include workers 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, 2008." 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/glossary20092010.htm.
Table 16. Outpatient prescription drug benefits: Copayment provisions, private industry workers, National Compensation Survey,
2009
(All workers participating in outpatient prescription drug plans with a generic drug or brand-name drug provision = 100 percent)
Generic drugs1
Characteristics
Copayment
No
copayment
Brand-name drugs2
Median
copayment
per
prescription
Not
determinable
Copayment
No
copayment
Median
copayment
per
prescription
Not
determinable
Worker characteristic
All workers ........................................................................
82
13
5
$10.00
79
15
5
$25.00
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 .............................
81
75
84
87
86
82
82
83
76
72
80
83
83
84
14
20
10
10
–
11
10
12
21
24
18
13
12
14
6
5
6
3
–
6
8
5
3
4
1
4
5
2
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
79
74
82
83
85
79
76
80
77
77
78
80
81
77
15
21
12
12
–
14
15
14
21
21
21
16
13
20
6
5
7
5
–
7
10
6
2
2
2
4
5
3
25.00
25.00
25.00
25.00
30.00
25.00
25.00
25.00
25.00
25.00
25.00
25.00
25.00
25.00
Full time ............................................................................
Part time ............................................................................
82
83
14
–
5
–
10.00
10.00
79
79
16
12
5
8
25.00
25.00
Union .................................................................................
Nonunion ...........................................................................
77
83
19
12
4
5
10.00
10.00
74
80
21
14
5
6
20.00
25.00
Average wage within the following categories:3
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
85
84
81
80
79
12
12
13
16
16
4
4
6
4
5
10.00
10.00
10.00
10.00
10.00
80
81
78
78
78
15
14
15
17
17
5
5
7
5
5
25.00
30.00
25.00
25.00
25.00
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
79
78
80
15
17
15
5
5
6
10.00
10.00
10.00
78
82
77
16
14
16
5
4
6
25.00
30.00
25.00
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Retail trade ................................................................
Transportation and warehousing ..............................
Information ....................................................................
Financial activities .........................................................
Finance and insurance ..............................................
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 ............
Health care and social assistance ............................
83
85
88
78
64
83
83
79
83
78
77
85
94
89
84
13
12
6
18
–
14
14
16
14
14
–
10
3
5
11
5
3
5
4
–
3
4
5
2
7
–
5
3
6
5
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
80
78
77
75
59
82
81
75
85
79
78
82
92
90
80
15
17
15
20
–
15
16
19
13
13
–
13
–
5
14
5
5
8
4
–
3
4
5
2
7
–
6
–
5
6
25.00
25.00
25.00
25.00
25.00
25.00
25.00
25.00
25.00
30.00
30.00
25.00
25.00
25.00
25.00
Establishment characteristic
See footnotes at end of table.
Table 16. Outpatient prescription drug benefits: Copayment provisions, private industry workers, National Compensation Survey,
2009—Continued
(All workers participating in outpatient prescription drug plans with a generic drug or brand-name drug provision = 100 percent)
Generic drugs1
Characteristics
Copayment
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
No
copayment
Brand-name drugs2
Median
copayment
per
prescription
Not
determinable
Copayment
No
copayment
Median
copayment
per
prescription
Not
determinable
82
81
87
81
81
82
14
14
12
13
12
14
4
5
1
5
7
3
$10.00
10.00
10.00
10.00
10.00
10.00
80
80
80
78
77
80
15
14
18
15
15
16
4
5
1
6
8
4
$25.00
25.00
25.00
25.00
25.00
25.00
89
83
75
84
85
82
77
77
86
6
13
17
11
11
–
–
21
12
5
4
8
6
5
–
–
2
2
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
86
82
71
79
84
77
75
78
82
9
13
21
14
12
17
18
20
15
5
5
8
7
4
6
8
2
3
25.00
25.00
30.00
25.00
25.00
30.00
30.00
25.00
25.00
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 All workers participating in an outpatient prescription drug plan with a generic drug provision
equals 100 percent.
2 All workers participating in an outpatient prescription drug plan with a brand-name drug provision
equals 100 percent.
3 The categories are based on the average wage for each occupation surveyed, which may include
workers 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, 2008." 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/glossary20092010.htm.
Table 16. Standard errors for outpatient prescription drug benefits: Copayment provisions, private industry workers, National
Compensation Survey, 2009
Generic drugs
Characteristics
Copayment
No
copayment
Brand-name drugs
Not
determinable
Median
copayment
per
prescription
Copayment
No
copayment
Not
determinable
Median
copayment
per
prescription
Worker characteristic
All workers ........................................................................
1.3
1.1
0.8
$0.00
1.2
1.1
0.8
$0.00
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
3.3
2.1
2.4
6.3
2.1
3.2
2.6
3.6
5.9
4.1
2.2
2.9
2.6
1.9
3.5
1.8
2.3
–
1.4
2.1
1.8
3.4
5.2
4.2
2.0
2.3
2.7
1.4
1.1
1.9
0.9
–
1.9
3.4
1.7
1.0
1.9
0.6
1.1
1.7
1.0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
2.0
3.3
2.1
3.0
6.5
2.1
3.6
2.8
3.5
5.3
4.4
2.3
3.0
3.1
2.0
3.6
1.7
2.9
–
1.6
2.7
2.0
3.4
4.9
4.5
2.2
2.5
3.2
1.5
1.1
2.1
1.2
–
1.7
3.2
1.7
0.8
1.6
0.7
1.1
1.8
1.0
0.00
1.70
0.00
0.98
3.42
0.00
0.98
0.00
2.40
4.28
2.60
0.00
0.00
0.00
Full time ............................................................................
Part time ............................................................................
1.2
5.0
1.2
–
0.7
–
0.00
0.00
1.2
5.2
1.2
2.9
0.7
4.1
0.00
5.73
Union .................................................................................
Nonunion ...........................................................................
3.9
1.3
2.8
1.2
1.8
0.8
0.00
0.00
4.3
1.3
3.1
1.3
1.9
0.7
0.00
0.00
Average wage within the following categories:1
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
3.1
1.7
1.9
1.8
3.0
2.6
1.5
1.6
1.8
2.8
1.2
0.8
1.4
0.8
1.5
0.00
0.00
0.00
0.00
0.00
3.0
1.9
2.0
1.8
2.9
2.7
1.6
1.9
1.8
2.7
1.2
0.8
1.4
0.9
1.6
0.00
2.83
0.00
0.00
0.00
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
2.8
4.8
3.4
2.2
4.2
2.9
1.3
2.0
1.4
0.00
0.00
0.00
2.5
4.1
3.1
2.2
3.8
2.8
1.3
1.9
1.4
0.00
0.00
0.00
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Retail trade ................................................................
Transportation and warehousing ..............................
Information ....................................................................
Financial activities .........................................................
Finance and insurance ..............................................
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 ............
Health care and social assistance ............................
1.3
1.6
2.6
5.2
8.6
3.0
2.5
4.3
3.5
3.1
5.6
2.5
2.8
4.5
2.9
1.3
1.7
1.6
5.2
–
3.1
2.5
4.2
3.4
3.2
–
2.2
0.8
1.3
2.6
0.9
1.1
2.4
1.7
–
0.8
0.9
1.6
1.3
2.7
–
1.4
2.7
4.5
1.6
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
1.4
2.0
3.3
5.5
9.4
2.9
2.6
4.6
3.6
3.1
5.7
2.8
3.1
4.6
3.2
1.3
2.1
3.2
5.5
–
3.0
2.6
4.5
3.3
3.0
–
2.7
–
1.3
3.1
0.9
1.0
2.1
1.7
–
0.8
0.9
1.6
1.3
2.7
–
1.5
–
4.6
1.7
0.00
0.00
2.73
0.00
0.98
0.98
0.00
0.00
6.51
2.13
5.28
0.00
0.59
0.00
0.00
Establishment characteristic
See footnotes at end of table.
Table 16. Standard errors for outpatient prescription drug benefits: Copayment provisions, private industry workers, National
Compensation Survey, 2009—Continued
Generic drugs
Characteristics
Copayment
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
No
copayment
Brand-name drugs
Not
determinable
Median
copayment
per
prescription
Copayment
No
copayment
Not
determinable
Median
copayment
per
prescription
1.8
2.3
2.8
1.8
2.8
1.7
1.7
2.0
2.6
1.5
2.4
1.5
1.1
1.4
0.6
0.9
1.4
0.8
$0.00
0.00
0.00
0.00
0.00
0.00
1.6
2.2
3.3
1.7
2.5
1.7
1.6
2.1
3.3
1.5
2.4
1.6
1.0
1.3
0.6
0.9
1.5
0.8
$6.06
5.94
7.26
0.00
0.00
5.15
4.4
3.8
3.8
3.3
2.2
5.3
3.7
5.2
2.9
1.2
2.6
3.6
2.7
1.9
–
–
4.9
2.8
4.4
2.3
2.6
2.4
1.1
–
–
1.2
0.8
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
4.6
3.0
3.8
4.0
2.3
2.4
4.2
4.6
2.7
1.5
2.4
3.9
3.5
1.9
4.0
4.7
4.7
2.4
4.7
1.7
2.6
2.0
1.0
2.5
2.0
1.2
1.1
0.00
2.94
5.58
0.00
1.59
7.72
2.23
0.55
0.00
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 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, 2008." 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/glossary20092010.htm.