Table 1. Standard errors for medical care benefits: Plan type, private industry workers, National
Compensation Survey, 2008
Fee-for-service plan
Characteristic
Traditional
Preferred
provider
organization
1.4
0.6
1.3
0.6
0.9
(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 ..................
1.5
1.9
1.7
3.9
1.9
1.9
2.6
3.2
–
0.7
–
–
0.6
0.5
0.8
–
2.0
2.1
3.1
3.9
2.0
2.6
2.6
3.4
1.0
1.5
1.3
1.6
1.2
2.1
1.2
1.8
1.7
0.7
–
–
1.0
0.8
1.3
1.8
–
(1)
(1)
(1)
(1)
(1)
(1)
–
4.4
4.0
2.4
3.2
3.0
–
–
0.8
–
1.2
4.3
4.2
2.2
2.9
3.7
–
2.6
1.9
2.3
2.1
–
1.1
0.5
–
0.9
(1)
–
0.3
–
0.7
Full time .................................................................
Part time ................................................................
1.4
2.8
0.5
–
1.4
5.2
0.7
2.3
0.9
–
(1)
(1)
Union .....................................................................
Nonunion ...............................................................
3.3
1.4
1.3
0.6
3.0
1.5
1.2
0.7
1.7
0.9
(1)
(1)
Average wage within the following percentiles:2
10 to under 25 ...................................................
25 to under 50 ...................................................
50 to under 75 ...................................................
75 to under 90 ...................................................
90 or greater ......................................................
2.9
1.9
2.7
1.5
2.2
–
0.6
0.5
1.3
–
3.4
2.0
2.5
1.6
2.8
1.9
1.0
1.0
1.2
1.7
0.7
0.6
1.3
1.0
–
–
(1)
(1)
(1)
(1)
2.1
2.8
2.5
1.7
2.3
5.2
2.4
5.0
3.3
2.0
1.9
2.7
4.0
6.8
4.0
4.9
3.1
3.7
2.9
3.6
0.7
–
0.8
0.7
0.6
–
–
–
–
1.9
1.5
1.5
–
–
–
–
–
–
–
–
2.4
3.3
2.9
1.7
2.6
4.6
3.1
6.2
4.8
2.6
2.5
3.6
3.5
7.0
4.4
6.2
4.1
6.4
5.8
4.5
1.4
–
2.0
0.9
1.2
2.2
2.7
3.3
4.2
1.9
1.5
1.6
3.3
–
1.6
–
2.0
–
–
2.5
1.0
–
–
1.1
0.5
1.5
0.7
–
–
1.1
1.4
2.4
1.5
–
–
–
–
–
–
–
–
–
–
(1)
(1)
–
–
1
( )
–
(1)
(1)
(1)
–
–
(1)
–
(1)
1
( )
(1)
(1)
Total
All workers .............................................................
Point of
service
plan
Exclusive
Not
provider
determinable
organization
Worker characteristic
Establishment characteristic
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
See footnotes at end of table.
Table 1. Standard errors for medical care benefits: Plan type, private industry workers, National
Compensation Survey, 2008—Continued
Fee-for-service plan
Characteristic
Total
Traditional
Preferred
provider
organization
Point of
service
plan
Exclusive
Not
provider
determinable
organization
Establishment characteristic
Leisure and hospitality .......................................
Other services ...................................................
6.6
8.0
–
–
7.4
10.8
–
–
–
–
(1)
1.0
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
2.2
2.7
2.8
1.3
1.7
2.2
1.0
1.0
–
0.5
0.8
0.6
2.1
2.8
3.1
1.7
2.1
2.9
1.3
1.5
2.6
0.7
1.2
1.4
0.8
0.6
–
1.3
–
2.1
(1)
–
0.4
(1)
–
(1)
7.2
5.1
1.7
1.8
2.9
1.4
3.6
–
–
0.6
–
0.7
0.5
–
7.2
3.1
2.1
5.4
3.5
1.5
3.4
2.1
1.1
1.5
–
1.4
1.6
0.9
1.2
–
0.7
–
–
0.9
–
–
(1)
(1)
(1)
–
(1)
(1)
Geographic area
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
West South Central ...............................................
Pacific ....................................................................
See footnotes at end of table.
Table 1. Standard errors for medical care benefits: Plan type, private
industry workers, National Compensation Survey, 2008—Continued
Health maintenance organization
Characteristic
Total
All workers .............................................................
Traditional
Open
access
Not
determinable
1.4
1.2
0.5
–
Worker characteristic
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
1.5
1.9
1.7
3.9
1.9
1.9
2.6
3.2
1.3
1.6
1.6
3.8
1.9
1.8
2.6
2.9
0.7
0.8
1.0
0.7
0.5
–
0.7
1.5
–
–
–
–
–
–
–
–
4.4
4.0
2.4
3.2
3.0
3.2
4.0
2.0
2.5
2.8
–
1.5
–
–
–
–
–
–
–
–
Full time .................................................................
Part time ................................................................
1.4
2.8
1.2
2.3
0.5
–
–
–
Union .....................................................................
Nonunion ...............................................................
3.3
1.4
3.1
1.3
1.8
0.5
–
–
Average wage within the following percentiles:2
10 to under 25 ...................................................
25 to under 50 ...................................................
50 to under 75 ...................................................
75 to under 90 ...................................................
90 or greater ......................................................
2.9
1.9
2.7
1.5
2.2
3.2
1.7
2.5
1.5
2.0
–
–
0.8
0.7
1.3
–
–
–
–
–
2.1
2.8
2.5
1.7
2.3
5.2
2.4
5.0
3.3
2.0
1.9
2.7
4.0
6.8
4.0
4.9
3.1
3.7
2.9
3.6
1.9
2.4
2.3
1.5
1.8
3.6
2.3
–
3.1
1.8
1.8
2.6
4.0
6.3
4.1
–
2.8
2.7
2.1
3.3
1.1
1.7
–
0.6
–
–
–
–
–
0.6
0.4
–
0.9
–
–
–
1.7
2.0
2.6
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
See footnotes at end of table.
Table 1. Standard errors for medical care benefits: Plan type, private
industry workers, National Compensation Survey, 2008—Continued
Health maintenance organization
Characteristic
Total
Traditional
Open
access
Not
determinable
Establishment characteristic
Leisure and hospitality .......................................
Other services ...................................................
6.6
8.0
6.6
7.0
–
–
–
–
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
2.2
2.7
2.8
1.3
1.7
2.2
2.0
2.5
2.1
1.2
1.5
2.4
0.8
0.7
–
0.7
–
1.0
–
–
–
–
–
–
7.2
5.1
1.7
1.8
2.9
1.4
3.6
6.5
3.6
1.1
1.2
2.8
1.5
3.8
–
2.2
1.0
–
–
–
–
–
–
–
–
–
–
–
Geographic area
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
West South Central ...............................................
Pacific ....................................................................
1 Less than 0.05.
2 The percentile groupings are based on the
average wage for each occupation surveyed, which
may include workers both above and below the
threshold. The percentile values are based on the
estimates published in the "National Compensation
Survey: Occupational Earnings in the United States,
2007." 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/glossary20082009.htm.
Table 2. Standard errors for fee-for-service plans: Summary of selected features, private industry workers, National
Compensation Survey, 2008
Annual deductible1
Characteristic
Yes
No
Coinsurance2
Not
determinable
Yes
No
Annual out-of-pocket maximum3
Not
determinable
Yes
No
Not
determinable
1.1
0.9
0.7
1.5
1.5
(4)
1.3
1.3
0.7
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 ..................
1.0
0.7
1.5
5.0
1.4
0.6
2.0
2.0
1.0
0.7
1.5
–
1.2
0.6
1.6
1.8
0.5
(4)
0.6
–
0.8
–
1.1
0.6
2.4
2.7
3.4
5.2
2.1
2.8
2.6
3.0
2.4
2.7
3.4
5.2
2.1
2.8
2.6
3.0
–
–
–
–
–
–
–
–
1.8
2.3
2.2
5.4
1.8
2.7
2.2
3.1
1.7
2.3
2.0
3.4
1.8
2.7
2.3
2.9
0.9
0.6
1.1
4.5
0.8
0.7
1.2
1.3
3.2
2.1
0.6
0.9
0.7
–
–
0.5
–
–
4
–
–
( )
–
–
5.4
3.3
2.3
3.0
3.4
5.4
3.3
2.2
3.0
3.4
4
–
–
( )
(4)
0.6
5.0
3.5
2.0
2.9
2.9
5.1
3.3
2.2
3.1
2.9
1.0
2.4
0.7
1.0
0.6
Full time .................................................................
Part time ................................................................
1.1
2.8
0.9
–
0.7
–
1.5
3.2
1.5
3.2
(4)
–
1.4
3.7
1.3
3.8
0.8
1.5
Union .....................................................................
Nonunion ...............................................................
2.3
1.1
1.7
0.9
1.6
0.6
4.1
1.5
4.1
1.5
0.5
–
4.3
1.4
3.8
1.4
1.8
0.7
Average wage within the following percentiles:5
Less than 10 ......................................................
10 to under 25 ...................................................
25 to under 50 ...................................................
50 to under 75 ...................................................
75 to under 90 ...................................................
90 or greater ......................................................
5.8
5.1
1.1
1.6
1.2
0.9
–
1.2
0.6
1.5
1.1
1.0
–
–
0.9
0.5
0.4
0.4
5.2
5.1
1.8
2.0
2.2
3.1
–
5.1
1.8
2.0
2.2
3.1
–
–
–
(4)
(4)
–
7.0
5.3
2.1
1.9
1.9
2.1
–
3.1
1.9
1.9
1.9
1.8
–
5.1
1.0
0.5
0.8
1.1
1.1
2.9
1.0
1.4
0.8
1.9
1.2
0.8
1.4
2.8
1.3
1.6
2.9
2.4
0.6
2.7
1.6
9.3
1.0
–
0.9
1.1
0.6
–
1.0
–
–
–
1.3
1.6
2.9
–
–
–
–
–
0.4
–
(4)
0.8
0.4
–
0.6
–
–
–
(4)
(4)
–
–
–
–
–
–
2.4
4.5
2.9
1.8
2.3
3.3
2.0
6.5
6.2
5.5
1.7
2.3
3.3
4.2
3.7
4.8
7.3
10.5
2.4
4.5
2.9
1.8
2.3
3.3
2.0
6.5
–
5.5
1.7
2.3
3.3
4.2
–
4.8
7.3
–
(4)
–
0.4
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
2.3
3.9
2.9
1.6
1.9
3.4
1.5
4.9
10.9
5.0
1.7
2.1
3.9
3.7
2.7
3.7
4.7
10.0
2.4
4.0
3.1
1.5
1.7
3.2
1.3
–
–
4.9
1.7
2.2
3.7
3.2
–
3.6
–
–
0.5
0.8
0.6
1.0
0.5
1.0
0.9
–
–
1.1
1.0
1.2
1.6
2.5
–
3.1
–
–
All workers .............................................................
Worker characteristic
Establishment characteristic
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
See footnotes at end of table.
Table 2. Standard errors for fee-for-service plans: Summary of selected features, private industry workers, National
Compensation Survey, 2008—Continued
Annual deductible1
Characteristic
Yes
No
Coinsurance2
Not
determinable
Yes
No
Annual out-of-pocket maximum3
Not
determinable
Yes
No
Not
determinable
Establishment characteristic
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
4.6
1.3
1.9
5.2
2.1
2.1
4.2
–
1.3
1.9
–
–
–
–
–
–
–
–
–
–
–
4.9
5.0
6.4
5.5
5.1
5.9
3.8
4.9
5.0
6.4
5.5
–
–
–
–
–
–
–
–
–
–
4.8
3.6
5.0
5.5
4.5
4.9
5.5
4.5
3.6
5.0
5.2
–
–
–
2.4
–
–
2.8
–
–
–
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
1.4
1.6
2.2
1.5
1.0
3.0
0.9
0.7
–
1.3
0.9
2.6
1.0
1.5
–
0.9
0.7
1.7
2.0
2.5
3.0
2.0
3.0
2.7
2.0
2.5
3.0
2.0
3.0
2.7
–
–
–
(4)
4
( )
–
2.0
2.3
2.8
1.9
2.4
2.8
1.7
1.9
2.4
1.9
2.6
2.6
1.2
1.6
1.7
0.9
0.8
1.7
2.1
2.4
3.6
1.5
1.5
1.2
0.8
2.4
4.9
2.1
2.2
–
–
1.0
–
0.8
–
–
–
0.4
–
–
1.3
–
(4)
–
–
5.5
3.8
2.4
3.9
4.1
5.2
2.9
4.0
5.0
5.5
3.8
2.4
–
4.2
–
2.9
4.0
5.0
–
–
–
–
(4)
–
–
–
–
8.3
5.0
2.7
3.7
2.4
1.7
3.1
4.0
5.1
7.8
5.5
1.5
–
2.0
1.8
–
4.1
–
0.6
2.4
3.1
–
1.3
0.4
–
–
–
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 towrad 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 0.05.
5 The percentile groupings are based on the average wage for each occupation
surveyed, which may include workers both above and below the threshold. The
percentile values are based on the estimates published in the "National Compensation
Survey: Occupational Earnings in the United States, 2007." 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/glossary20082009.htm.
Table 3. Standard errors for fee-for-service plans: Type and amount of annual individual
deductible,1 private industry workers, National Compensation Survey, 2008
Fixed deductible
Characteristic
All workers .............................................................
Variable deductible
With
Median deductible amount
Median
With
deductible With fixed
deductible variable
deductible
In-netw- Out-ofPoint-ofamount deductible
ork
network
service
1.1
1.7
$19.62
1.8
$52.83
$78.49
$77.87
Worker characteristic
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
1.0
0.7
1.5
5.0
1.4
0.6
2.0
2.0
2.7
2.9
3.5
4.9
2.2
3.0
3.1
3.9
0.00
19.62
19.62
129.78
0.00
144.52
19.62
0.00
2.8
2.9
3.6
5.2
2.1
3.0
2.9
3.8
34.34
145.10
31.41
–
0.00
0.00
147.49
95.96
174.40
169.36
–
–
182.49
0.00
72.76
–
68.67
–
–
–
44.96
0.00
–
–
3.2
2.1
0.6
0.9
0.7
5.7
4.7
3.2
4.2
4.3
0.00
–
–
119.35
86.09
5.0
4.9
3.2
4.5
4.3
–
129.66
41.73
32.63
35.21
113.23
–
153.39
55.50
298.06
0.00
–
239.51
–
0.00
Full time .................................................................
Part time ................................................................
1.1
2.8
1.7
7.2
19.62
–
1.9
6.8
52.83
113.14
98.60
–
98.11
–
Union .....................................................................
Nonunion ...............................................................
2.3
1.1
3.6
1.8
47.05
0.00
4.1
1.9
55.50
0.00
9.81
209.96
67.26
114.41
Average wage within the following percentiles:3
Less than 10 ......................................................
10 to under 25 ...................................................
25 to under 50 ...................................................
50 to under 75 ...................................................
75 to under 90 ...................................................
90 or greater ......................................................
5.8
5.1
1.1
1.6
1.2
0.9
7.5
5.5
2.5
2.4
2.5
3.7
–
–
0.00
27.75
–
0.00
8.2
5.5
2.7
2.5
2.6
3.8
113.57
19.62
0.00
–
48.56
111.43
161.80
111.00
0.00
165.47
122.93
–
–
–
–
126.78
43.87
29.43
1.1
2.9
1.0
1.4
0.8
1.9
1.2
0.8
1.4
2.8
1.3
1.6
2.9
2.4
0.6
2.7
1.6
9.3
2.6
4.8
3.4
2.0
2.8
5.2
3.4
6.6
8.2
5.7
3.7
3.2
4.1
6.3
11.3
5.4
8.2
7.9
70.06
55.50
63.58
0.00
19.62
120.95
–
–
–
39.24
–
226.07
–
220.90
–
–
49.05
70.06
2.9
4.2
3.7
2.1
2.9
5.0
3.5
6.6
8.1
5.2
3.7
3.5
4.0
6.0
11.1
5.8
8.0
9.3
–
49.05
34.91
52.83
0.00
112.72
–
32.54
71.42
0.00
0.00
–
94.10
–
–
–
–
–
142.59
208.57
79.10
177.68
0.00
91.51
–
88.84
112.72
126.02
167.65
65.08
65.08
–
284.68
146.51
–
–
166.49
–
–
57.21
–
–
–
0.00
–
0.00
–
–
–
0.00
–
–
–
–
Establishment characteristic
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
See footnotes at end of table.
Table 3. Standard errors for fee-for-service plans: Type and amount of annual individual
deductible,1 private industry workers, National Compensation Survey, 2008—Continued
Fixed deductible
Characteristic
Variable deductible
With
Median deductible amount
Median
With
deductible With fixed
deductible variable
deductible
In-netw- Out-ofPoint-ofamount deductible
ork
network
service
Establishment characteristic
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
4.6
1.3
1.9
5.2
2.1
2.1
4.2
3.1
5.0
3.2
3.5
8.4
10.7
12.1
$55.50
0.00
0.00
–
131.62
–
–
4.8
4.7
3.4
5.5
8.4
9.4
11.5
$42.76 $238.50
93.59 130.15
35.37
73.42
9.81
–
–
–
–
–
130.15
–
$62.82
0.00
0.00
–
–
–
–
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
1.4
1.6
2.2
1.5
1.0
3.0
2.7
3.1
4.6
2.1
3.1
2.6
0.00
0.00
–
–
0.00
21.94
2.6
3.3
4.1
2.3
3.3
3.2
19.62
114.41
0.00
38.11
–
10.97
0.00
0.00
206.02
36.71
77.55
9.81
–
–
–
84.96
48.06
52.83
2.1
2.4
3.6
1.5
1.5
1.2
0.8
2.4
4.9
5.6
3.9
3.5
5.6
2.6
8.4
4.2
7.5
6.1
–
106.57
87.20
78.49
108.36
–
0.00
100.53
86.09
5.3
5.0
4.6
6.1
2.7
7.7
3.8
7.2
5.1
86.65
10.97
110.85
0.00
85.53
54.73
0.00
–
85.53
62.05
9.81
207.42
0.00
67.26
–
0.00
268.03
–
–
–
–
–
–
–
–
0.00
–
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 3. Standard errors for fee-for-service plans: Type and
amount of annual individual deductible,1 private industry workers,
National Compensation Survey, 2008—Continued
Characteristic
All workers .............................................................
Other
With no
Not
deductible deductible determinable
0.1
0.9
0.7
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 ..................
–
–
–
–
–
–
–
–
1.0
0.7
1.5
–
1.2
0.6
1.6
1.8
0.5
(2)
0.6
–
0.8
–
1.1
0.6
–
–
–
–
–
–
–
0.5
–
–
–
–
(2)
–
–
Full time .................................................................
Part time ................................................................
0.1
–
0.9
–
0.7
–
Union .....................................................................
Nonunion ...............................................................
–
0.1
1.7
0.9
1.6
0.6
Average wage within the following percentiles:3
Less than 10 ......................................................
10 to under 25 ...................................................
25 to under 50 ...................................................
50 to under 75 ...................................................
75 to under 90 ...................................................
90 or greater ......................................................
–
–
0.2
–
0.1
–
–
1.2
0.6
1.5
1.1
1.0
–
–
0.9
0.5
0.4
0.4
–
–
–
0.2
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1.0
–
0.9
1.1
0.6
–
1.0
–
–
–
1.3
1.6
2.9
–
–
–
–
–
0.4
–
(2)
0.8
0.4
–
0.6
–
–
–
(2)
(2)
–
–
–
–
–
–
Worker characteristic
Establishment characteristic
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
See footnotes at end of table.
Table 3. Standard errors for fee-for-service plans: Type and
amount of annual individual deductible,1 private industry workers,
National Compensation Survey, 2008—Continued
Other
With no
Not
deductible deductible determinable
Characteristic
Establishment characteristic
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
–
–
–
–
–
–
–
–
1.3
1.9
–
–
–
–
–
–
–
–
–
–
–
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
–
–
–
0.2
–
–
0.9
0.7
–
1.3
0.9
2.6
1.0
1.5
–
0.9
0.7
1.7
–
–
–
–
–
–
–
–
–
2.1
2.2
–
–
1.0
–
0.8
–
–
–
0.4
–
–
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 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 percentile groupings are based on the
average wage for each occupation surveyed,
which may include workers both above and
below the threshold. The percentile values are
based on the estimates published in the
"National Compensation Survey: Occupational
Earnings in the United States, 2007." 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/glossary20082009.htm.
Table 4. Standard errors for fee-for-service plans: Type and amount of annual family deductible,1
private industry workers, National Compensation Survey, 2008
Fixed deductible
Characteristic
All workers .............................................................
Variable deductible
With
Median deductible amount
Median
With
deductible With fixed
deductible variable
deductible
Out-ofPoint-ofamount deductible In-network
network
service
1.2
1.7
$143.18
1.8
$0.00
$67.97
–
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 ..................
1.3
1.6
1.8
4.2
2.2
1.5
3.2
2.5
2.7
2.6
3.6
4.9
2.3
3.0
3.1
4.2
–
67.97
98.11
260.49
85.53
96.62
158.50
89.92
2.8
3.0
3.6
4.3
2.1
3.0
2.9
3.8
19.62
83.25
19.62
197.19
0.00
56.36
0.00
–
404.98
425.38
324.79
372.68
39.24
0.00
375.22
–
$152.93
–
118.14
–
362.20
0.00
–
–
4.3
2.2
1.3
2.1
1.5
6.2
4.7
3.3
4.2
4.5
62.05
107.02
114.83
131.99
241.11
5.0
4.9
3.1
4.5
4.1
–
–
221.42
126.50
39.58
–
412.75
492.46
66.54
159.41
0.00
–
98.11
–
0.00
Full time .................................................................
Part time ................................................................
1.1
7.6
1.7
5.7
129.41
–
1.8
6.6
0.00
0.00
55.50
275.40
–
–
Union .....................................................................
Nonunion ...............................................................
2.6
1.3
3.6
1.8
49.05
105.66
4.1
1.9
25.96
0.00
269.61
0.00
48.06
–
Average wage within the following percentiles:3
Less than 10 ......................................................
10 to under 25 ...................................................
25 to under 50 ...................................................
50 to under 75 ...................................................
75 to under 90 ...................................................
90 or greater ......................................................
6.5
5.6
1.5
1.7
1.8
1.4
–
5.1
2.6
2.5
2.6
3.7
106.12
–
331.39
–
19.62
–
7.6
4.8
2.7
2.6
2.6
3.8
260.49
0.00
0.00
0.00
111.43
76.62
–
0.00
0.00
392.24
19.62
443.11
–
–
–
376.40
33.99
–
1.3
3.9
1.5
1.4
1.3
1.8
2.0
3.9
1.5
3.1
2.0
2.3
3.1
4.5
5.5
3.9
3.2
10.5
2.6
5.0
3.3
2.0
2.8
5.2
3.4
6.6
8.2
5.1
3.5
2.9
4.0
6.0
12.3
5.6
8.2
8.6
92.03
0.00
65.08
347.00
–
–
382.49
–
–
29.43
343.93
365.51
–
362.07
–
216.73
0.00
–
2.9
4.2
3.7
2.0
2.9
4.9
3.8
6.3
8.0
5.2
3.8
3.4
4.1
5.9
11.1
5.4
8.0
7.2
29.69
169.93
184.07
0.00
41.62
117.73
136.29
127.92
–
137.00
0.00
216.50
198.89
–
–
–
–
–
325.25
–
110.12
39.24
0.00
39.24
124.10
375.38
–
210.79
241.91
148.14
220.25
366.03
–
449.08
–
–
0.00
–
416.23
–
0.00
–
–
–
–
0.00
–
–
–
0.00
–
–
–
–
Worker characteristic
Establishment characteristic
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
See footnotes at end of table.
Table 4. Standard errors for fee-for-service plans: Type and amount of annual family deductible,1
private industry workers, National Compensation Survey, 2008—Continued
Fixed deductible
Characteristic
Variable deductible
With
Median deductible amount
Median
With
deductible With fixed
deductible variable
deductible
Out-ofPoint-ofamount deductible In-network
network
service
Establishment characteristic
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
4.4
3.0
3.0
5.2
5.8
7.2
4.5
3.1
4.1
3.2
3.5
8.9
11.1
12.1
–
$101.96
–
–
–
–
–
4.8
4.8
3.6
5.4
8.4
9.4
11.4
$0.00
177.14
13.87
9.81
224.36
165.62
92.03
$108.81
402.60
217.39
88.84
509.02
–
470.51
$137.35
0.00
0.00
145.85
–
–
–
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
1.7
2.1
2.6
1.6
1.2
3.1
2.7
3.1
4.6
2.1
3.0
2.6
144.19
0.00
138.74
92.03
–
0.00
2.7
3.4
4.0
2.2
3.2
2.6
311.48
227.13
–
125.79
0.00
113.14
494.83
667.34
358.46
62.82
314.65
211.31
–
–
–
230.92
–
173.01
1.5
2.5
2.9
2.4
1.5
3.5
1.6
6.6
5.2
–
3.7
3.3
6.1
2.7
8.5
4.6
8.7
5.8
251.28
260.31
157.28
43.87
–
231.75
166.49
172.18
95.12
5.6
5.0
4.3
5.6
2.6
7.9
3.9
7.3
5.0
–
148.46
121.75
80.90
0.00
20.30
60.68
–
133.80
0.00
367.08
272.06
27.75
153.25
192.01
241.91
–
–
–
0.00
541.64
–
–
–
–
–
–
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 4. Standard errors for fee-for-service plans: Type and
amount of annual family deductible,1 private industry workers,
National Compensation Survey, 2008—Continued
Characteristic
All workers .............................................................
Other
With no
Not
deductible deductible determinable
0.1
1.1
0.7
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 ..................
–
–
–
–
–
–
–
–
1.4
1.6
1.8
4.0
2.1
1.5
3.0
2.4
0.5
(2)
0.6
–
0.8
–
1.1
0.6
–
–
–
–
–
–
–
1.2
1.9
1.5
–
–
(2)
–
–
Full time .................................................................
Part time ................................................................
0.1
–
1.0
–
0.7
–
Union .....................................................................
Nonunion ...............................................................
–
0.1
2.2
1.2
1.6
0.6
Average wage within the following percentiles:3
Less than 10 ......................................................
10 to under 25 ...................................................
25 to under 50 ...................................................
50 to under 75 ...................................................
75 to under 90 ...................................................
90 or greater ......................................................
–
–
0.2
–
0.1
–
–
–
1.2
1.7
1.8
1.5
–
–
0.9
0.5
0.4
0.4
–
–
–
0.2
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1.2
3.8
1.4
1.4
1.3
1.3
1.9
–
–
3.1
2.0
2.3
3.1
–
–
–
–
–
0.4
–
(2)
0.8
0.4
–
0.6
–
–
–
(2)
(2)
–
–
–
–
–
–
Worker characteristic
Establishment characteristic
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
See footnotes at end of table.
Table 4. Standard errors for fee-for-service plans: Type and
amount of annual family deductible,1 private industry workers,
National Compensation Survey, 2008—Continued
Other
With no
Not
deductible deductible determinable
Characteristic
Establishment characteristic
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
–
–
–
–
–
–
–
4.0
3.0
3.0
–
–
–
–
–
–
–
–
–
–
–
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
–
–
–
0.2
–
–
1.4
1.6
2.5
1.6
1.0
3.2
1.0
1.5
–
0.9
0.7
1.7
–
–
–
–
–
–
–
–
–
1.5
2.2
1.6
–
1.3
–
1.6
–
–
–
0.4
–
–
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 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 percentile groupings are based on the
average wage for each occupation surveyed,
which may include workers both above and
below the threshold. The percentile values are
based on the estimates published in the
"National Compensation Survey: Occupational
Earnings in the United States, 2007." 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/glossary20082009.htm.
Table 5. Standard errors for fee-for-service plans: Amount of annual individual deductible,1 private industry workers,
National Compensation Survey, 2008
Amount of annual deductible
Characteristic
All workers .............................................................
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
Not
deductible determinable
1.1
$51.68
$0.00
$0.00
$0.00
$146.65
0.9
0.7
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 ..................
1.0
0.7
1.5
5.0
1.4
0.6
2.0
2.0
61.27
46.02
70.75
69.37
65.81
0.00
55.50
36.71
0.00
0.00
19.62
29.43
10.20
0.00
0.00
0.00
0.00
71.42
0.00
146.51
0.00
0.00
43.87
61.61
0.00
0.00
0.00
285.69
0.00
0.00
49.05
427.64
0.00
272.82
290.54
547.47
400.20
834.33
405.10
0.00
1.0
0.7
1.5
–
1.2
0.6
1.6
1.8
0.5
(2)
0.6
–
0.8
–
1.1
0.6
3.2
2.1
0.6
0.9
0.7
74.72
32.54
48.56
9.81
31.41
49.05
0.00
0.00
39.55
0.00
27.26
136.27
65.00
67.86
67.89
380.35
84.96
352.09
361.93
295.63
196.21
259.57
204.38
138.74
363.79
–
–
0.5
–
–
–
–
(2)
–
–
Full time .................................................................
Part time ................................................................
1.1
2.8
62.05
90.98
0.00
73.42
0.00
150.07
0.00
204.62
258.72
400.80
0.9
–
0.7
–
Union .....................................................................
Nonunion ...............................................................
2.3
1.1
9.81
35.37
9.81
0.00
47.81
0.00
67.04
0.00
378.83
387.11
1.7
0.9
1.6
0.6
Average wage within the following percentiles:3
Less than 10 ......................................................
10 to under 25 ...................................................
25 to under 50 ...................................................
50 to under 75 ...................................................
75 to under 90 ...................................................
90 or greater ......................................................
5.8
5.1
1.1
1.6
1.2
0.9
74.07
90.98
27.75
67.08
13.87
29.43
52.83
42.76
28.42
0.00
0.00
12.17
147.49
70.75
0.00
27.75
16.27
0.00
307.28
350.72
0.00
0.00
189.05
88.84
136.29
284.51
343.37
525.03
379.83
179.83
–
1.2
0.6
1.5
1.1
1.0
–
–
0.9
0.5
0.4
0.4
1.1
2.9
1.0
1.4
0.8
1.9
1.2
0.8
1.4
2.8
1.3
1.6
2.9
2.4
0.6
2.7
1.6
9.3
0.00
75.36
0.00
13.87
57.21
75.99
0.00
59.68
24.03
25.96
0.00
29.43
52.83
16.99
0.00
60.48
0.00
67.26
21.38
31.02
36.05
0.00
1.96
3.92
53.74
58.86
62.05
9.81
0.00
16.99
58.04
116.91
145.85
66.54
9.81
76.62
98.11
124.81
109.25
0.00
0.00
124.10
165.33
33.99
164.16
0.00
19.62
39.24
0.00
216.06
120.16
261.60
55.50
59.68
185.37
465.57
151.67
0.00
0.00
337.98
286.20
46.02
705.89
0.00
241.11
127.16
245.27
0.00
332.70
288.37
335.29
167.93
619.28
0.00
114.41
158.50
398.84
663.32
896.81
1,719.73
572.06
124.87
308.37
298.54
751.98
237.29
724.27
554.28
341.55
369.17
1.0
–
0.9
1.1
0.6
–
1.0
–
–
–
1.3
1.6
2.9
–
–
–
–
–
0.4
–
(2)
0.8
0.4
–
0.6
–
–
–
(2)
(2)
–
–
–
–
–
–
Worker characteristic
Establishment characteristic
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
See footnotes at end of table.
Table 5. Standard errors for fee-for-service plans: Amount of annual individual deductible,1 private industry workers,
National Compensation Survey, 2008—Continued
Amount of annual deductible
Characteristic
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
Not
deductible determinable
Establishment characteristic
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
4.6
1.3
1.9
5.2
2.1
2.1
4.2
$61.27
62.05
64.33
68.67
35.37
24.03
0.00
$0.00
0.00
0.00
0.00
43.87
62.05
204.85
$49.05
125.25
111.00
42.76
116.08
124.10
215.17
$49.05
72.09
55.50
0.00
405.81
634.37
0.00
$261.60
642.43
426.74
308.06
0.00
16.99
373.58
–
1.3
1.9
–
–
–
–
–
–
–
–
–
–
–
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
1.4
1.6
2.2
1.5
1.0
3.0
69.37
75.99
57.21
0.00
0.00
66.54
49.67
39.63
64.15
0.00
0.00
24.03
0.00
0.00
58.86
62.82
27.75
0.00
0.00
184.07
0.00
99.59
274.17
46.02
49.05
406.29
550.62
147.81
56.36
83.25
0.9
0.7
–
1.3
0.9
2.6
1.0
1.5
–
0.9
0.7
1.7
2.1
2.4
3.6
1.5
1.5
1.2
0.8
2.4
4.9
70.75
0.00
4.91
62.05
76.62
70.75
65.08
103.36
0.00
46.02
42.76
0.00
55.50
9.81
0.00
0.00
62.60
0.00
153.87
85.67
141.49
0.00
73.42
150.01
0.00
74.72
67.49
500.25
98.11
43.87
205.09
293.41
413.22
0.00
120.16
110.12
212.46
371.34
396.33
891.43
184.85
396.94
627.24
0.00
396.09
2.1
2.2
–
–
1.0
–
0.8
–
–
–
0.4
–
–
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 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 percentile groupings are based on the average wage for each occupation
surveyed, which may include workers both above and below the threshold. The
percentile values are based on the estimates published in the "National Compensation
Survey: Occupational Earnings in the United States, 2007." 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/glossary20082009.htm.
Table 6. Standard errors for fee-for-service plans: Amount of annual family deductible,1 private industry workers,
National Compensation Survey, 2008
Amount of annual deductible
Characteristic
All workers .............................................................
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
Not
deductible determinable
1.2
$13.87
$9.81
$0.00
$0.00
$940.54
1.1
0.7
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 ..................
1.3
1.6
1.8
4.2
2.2
1.5
3.2
2.5
38.00
27.75
55.50
49.05
50.18
0.00
54.13
69.55
112.72
109.25
94.10
107.02
27.75
68.67
101.01
106.57
0.00
43.87
274.35
181.43
57.21
359.26
0.00
32.89
220.82
173.18
139.28
1,236.66
307.41
292.68
245.07
459.74
250.76
957.08
0.00
1,125.67
571.38
1,285.61
682.53
1,602.60
1.4
1.6
1.8
4.0
2.1
1.5
3.0
2.4
0.5
(2)
0.6
–
0.8
–
1.1
0.6
4.3
2.2
1.3
2.1
1.5
124.10
61.27
73.42
82.67
65.08
144.19
29.43
75.99
59.68
0.00
19.62
163.72
150.91
116.08
133.87
815.17
174.40
473.06
569.70
466.50
1,020.12
438.75
1,007.40
392.43
1,494.32
–
–
1.2
1.9
1.5
–
–
(2)
–
–
Full time .................................................................
Part time ................................................................
1.1
7.6
13.87
50.98
21.94
167.36
0.00
13.87
45.51
0.00
611.96
0.00
1.0
–
0.7
–
Union .....................................................................
Nonunion ...............................................................
2.6
1.3
40.45
56.49
54.62
19.62
9.81
147.49
83.25
201.92
569.02
210.42
2.2
1.2
1.6
0.6
Average wage within the following percentiles:3
Less than 10 ......................................................
10 to under 25 ...................................................
25 to under 50 ...................................................
50 to under 75 ...................................................
75 to under 90 ...................................................
90 or greater ......................................................
6.5
5.6
1.5
1.7
1.8
1.4
62.05
19.62
32.54
53.74
33.27
51.91
101.96
76.62
19.62
77.87
0.00
0.00
74.07
138.74
121.75
0.00
67.97
67.97
513.35
382.99
358.59
89.79
401.16
335.25
131.62
196.21
415.77
521.72
1,472.26
329.76
–
–
1.2
1.7
1.8
1.5
–
–
0.9
0.5
0.4
0.4
1.3
3.9
1.5
1.4
1.3
1.8
2.0
3.9
1.5
3.1
2.0
2.3
3.1
4.5
5.5
3.9
3.2
10.5
59.68
122.93
59.68
0.00
47.05
125.25
138.74
49.05
33.99
0.00
0.00
0.00
9.81
138.74
101.96
159.10
66.54
183.80
0.00
187.18
36.71
83.25
155.43
80.30
96.12
58.86
120.56
48.06
116.08
58.86
19.62
209.50
197.19
43.87
33.99
75.36
70.91
98.42
80.90
0.00
220.47
131.62
19.62
146.18
146.83
186.15
333.85
354.27
96.12
347.97
404.51
323.60
691.50
135.94
129.04
412.52
241.91
106.35
250.67
148.41
0.00
245.66
1,181.37
458.80
290.37
78.49
624.89
39.24
915.08
300.79
429.44
710.85
895.73
985.96
968.43
924.26
534.57
1,485.91
625.50
2,668.17
1,092.47
196.85
335.86
524.67
952.40
428.09
1,019.56
1,079.18
333.56
2,462.39
1.2
3.8
1.4
1.4
1.3
1.3
1.9
–
–
3.1
2.0
2.3
3.1
–
–
–
–
–
0.4
–
(2)
0.8
0.4
–
0.6
–
–
–
(2)
(2)
–
–
–
–
–
–
Worker characteristic
Establishment characteristic
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
See footnotes at end of table.
Table 6. Standard errors for fee-for-service plans: Amount of annual family deductible,1 private industry workers,
National Compensation Survey, 2008—Continued
Amount of annual deductible
Characteristic
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
Not
deductible determinable
Establishment characteristic
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
4.4
3.0
3.0
5.2
5.8
7.2
4.5
$74.72
81.49
44.96
67.26
58.86
75.99
65.08
$85.53
124.10
133.08
83.25
294.16
298.22
290.87
$19.62
221.99
221.12
39.24
351.68
458.17
210.42
$111.00
155.74
0.00
311.63
1,906.97
2,091.34
582.31
$392.43
871.61
928.19
1,034.74
0.00
0.00
717.46
4.0
3.0
3.0
–
–
–
–
–
–
–
–
–
–
–
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
1.7
2.1
2.6
1.6
1.2
3.1
0.00
40.45
0.00
54.62
50.02
86.09
82.67
79.70
138.40
0.00
97.62
0.00
133.08
0.00
119.35
144.25
0.00
58.04
590.28
98.11
0.00
452.78
290.04
0.00
659.95
480.52
0.00
0.00
0.00
0.00
1.4
1.6
2.5
1.6
1.0
3.2
1.0
1.5
–
0.9
0.7
1.7
1.5
2.5
2.9
2.4
1.5
3.5
1.6
6.6
5.2
141.49
124.10
70.75
50.02
21.94
74.07
47.05
51.91
56.36
16.99
0.00
96.12
148.79
0.00
117.73
103.36
118.54
43.87
116.08
196.09
55.50
0.00
124.10
116.84
461.62
287.71
0.00
782.52
128.41
349.63
399.72
67.97
545.09
733.46
1,033.88
574.58
283.66
1,658.85
658.12
1,283.52
710.99
300.15
738.87
0.00
1,484.63
1.5
2.2
1.6
–
1.3
–
1.6
–
–
–
0.4
–
–
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 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 percentile groupings are based on the average wage for each occupation
surveyed, which may include workers both above and below the threshold. The
percentile values are based on the estimates published in the "National Compensation
Survey: Occupational Earnings in the United States, 2007." 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/glossary20082009.htm.
Table 7. Standard errors for fee-for-service plans: Amount of coinsurance,1 private industry
workers, National Compensation Survey, 2008
Fixed coinsurance
Characteristic
All workers .............................................................
Variable coinsurance
Median
With
With fixed
coinsurance
variable
coinsurance
percentage coinsurance
Median coinsurance percentage
In-network
Out-ofnetwork
Point-ofservice
1.3
0.00
1.3
0.00
0.00
0.00
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
2.6
1.4
3.8
3.5
1.6
1.9
2.0
3.5
0.00
0.00
0.00
14.98
0.00
0.00
0.00
0.00
2.5
1.5
3.5
3.5
2.2
1.9
3.1
3.5
0.00
0.00
0.00
0.00
0.00
0.00
0.00
5.10
1.70
7.41
0.00
0.00
0.00
0.00
0.00
4.50
5.97
9.31
4.05
10.62
0.00
2.77
0.00
7.60
4.8
4.6
1.7
2.1
2.5
0.00
0.00
0.00
0.00
0.00
4.8
4.6
1.8
2.2
2.5
10.84
0.00
0.00
0.00
5.10
9.76
0.00
0.00
2.40
0.98
12.87
7.85
0.00
2.77
7.07
Full time .................................................................
Part time ................................................................
1.1
6.5
0.00
0.00
1.1
9.5
0.00
3.54
0.00
1.68
0.00
7.14
Union .....................................................................
Nonunion ...............................................................
2.9
1.4
0.00
0.00
2.9
1.5
4.50
0.00
2.77
0.00
0.00
0.00
Average wage within the following percentiles:2
Less than 10 ......................................................
10 to under 25 ...................................................
25 to under 50 ...................................................
50 to under 75 ...................................................
75 to under 90 ...................................................
90 or greater ......................................................
–
–
1.2
1.7
2.3
2.7
13.13
2.60
0.00
0.00
0.00
0.00
–
–
1.2
1.6
2.3
2.5
5.00
0.00
0.00
0.00
8.21
6.65
0.00
0.00
0.00
0.00
5.74
6.51
–
0.00
0.00
0.00
7.14
11.56
1.7
3.8
1.8
1.5
1.6
2.6
2.0
4.2
–
6.0
3.1
3.1
3.1
6.4
–
5.0
–
–
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
9.61
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
1.7
3.8
1.8
1.6
1.6
2.6
2.0
4.2
–
6.0
3.2
3.3
3.8
6.6
–
5.7
–
–
0.00
0.00
0.00
0.00
0.00
5.64
0.00
5.89
1.96
6.80
7.28
5.89
6.58
7.01
0.00
8.21
7.66
4.50
2.40
0.00
6.13
0.00
0.00
0.00
0.00
0.00
3.25
11.27
7.47
3.67
6.94
1.70
0.00
8.32
0.00
6.73
0.00
–
1.96
3.10
3.40
2.77
4.81
0.00
–
4.81
5.86
5.86
0.00
6.65
–
12.10
13.87
–
Worker characteristic
Establishment characteristic
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
See footnotes at end of table.
Table 7. Standard errors for fee-for-service plans: Amount of coinsurance,1 private industry
workers, National Compensation Survey, 2008—Continued
Fixed coinsurance
Characteristic
Variable coinsurance
Median
With
With fixed
coinsurance
variable
coinsurance
percentage coinsurance
Median coinsurance percentage
In-network
Out-ofnetwork
Point-ofservice
Establishment characteristic
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
2.2
–
3.0
2.5
–
–
–
14.94
0.00
0.00
17.44
20.86
16.30
0.00
2.2
–
3.9
2.5
–
–
–
0.00
8.21
0.00
0.00
5.00
2.94
0.00
0.00
8.09
0.98
0.00
0.00
0.00
0.00
4.06
1.96
0.00
5.22
–
–
–
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
2.1
2.5
3.4
1.2
1.7
1.7
0.00
0.00
0.00
0.00
0.00
0.00
2.2
2.5
3.4
1.4
1.7
2.4
0.00
0.00
1.96
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
5.80
1.70
7.21
2.77
2.98
13.02
0.00
–
–
1.7
–
1.7
–
1.8
5.2
2.4
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
–
–
1.8
–
1.7
–
1.8
6.8
2.4
10.20
0.00
0.00
0.00
0.00
7.85
0.00
0.00
3.92
8.27
0.00
0.00
0.00
0.00
11.69
0.00
0.00
7.51
0.00
0.00
0.00
1.96
2.77
13.34
5.55
0.00
10.28
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 towrad
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 percentile groupings are based on the average wage for each
occupation surveyed, which may include workers both above and below
the threshold. The percentile values are based on the estimates
published in the "National Compensation Survey: Occupational Earnings
in the United States, 2007." 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/glossary20082009.htm.
Table 8. Standard errors for fee-for-service plans: Amount of annual individual out-of-pocket maximum,1 private
industry workers, National Compensation Survey, 2008
Amount of out-of-pocket maximum
Characteristic
With out-ofpocket
maximum
50th
percentile
(median)
90th
percentile
Not
determinable
10th
percentile
25th
percentile
1.4
$112.29
$121.68
$249.40
$0.00
$65.81
1.3
0.7
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
2.3
2.2
5.4
1.8
2.7
2.2
3.1
145.85
113.99
162.69
0.00
126.20
0.00
137.35
72.09
57.21
268.68
39.24
19.62
87.97
49.05
146.70
62.05
194.12
165.91
335.29
0.00
123.42
0.00
322.41
246.25
247.81
0.00
311.94
456.80
180.63
0.00
151.03
212.01
70.80
0.00
417.38
1,375.07
0.00
303.22
309.78
98.11
1.7
2.3
2.0
3.4
1.8
2.7
2.3
2.9
0.9
0.6
1.1
4.5
0.8
0.7
1.2
1.3
5.0
3.6
2.0
2.9
2.9
139.09
143.67
60.35
150.05
19.91
334.72
39.24
115.35
145.02
226.07
116.50
238.91
162.47
143.18
0.00
231.54
282.98
177.41
316.99
46.02
497.16
58.86
660.31
39.24
491.71
5.1
3.4
2.2
3.1
2.8
1.0
2.4
0.7
1.0
0.6
Full time .................................................................
Part time ................................................................
1.4
3.7
112.61
273.47
127.58
290.87
224.36
237.29
0.00
429.44
233.52
250.51
1.3
3.8
0.8
1.5
Union .....................................................................
Nonunion ...............................................................
4.5
1.4
63.77
154.50
55.71
93.61
337.72
226.02
223.50
0.00
705.48
95.41
3.7
1.4
1.8
0.7
Average wage within the following percentiles:2
Less than 10 ......................................................
10 to under 25 ...................................................
25 to under 50 ...................................................
50 to under 75 ...................................................
75 to under 90 ...................................................
90 or greater ......................................................
7.0
5.3
2.2
1.9
1.9
2.1
326.42
0.00
130.74
115.22
47.05
123.32
73.42
0.00
95.24
60.48
39.24
0.00
186.15
0.00
64.89
243.69
183.41
217.94
593.04
371.77
0.00
51.91
83.25
346.90
928.45
1,488.55
19.62
401.64
322.10
0.00
–
3.1
2.1
1.9
1.9
1.8
–
5.1
1.0
0.5
0.8
1.1
2.3
4.0
2.9
1.7
1.9
3.4
1.5
4.9
10.8
5.0
1.7
2.1
4.0
3.7
2.7
3.7
4.7
10.0
147.48
153.25
73.08
119.35
0.00
96.12
0.00
67.97
0.00
238.70
169.93
201.78
197.92
137.35
416.23
55.50
203.91
222.86
221.99
329.06
209.79
126.08
0.00
220.91
0.00
239.51
362.86
207.65
281.11
67.97
357.38
54.62
286.03
105.66
333.71
420.72
52.83
194.24
145.85
66.90
0.00
167.65
34.69
207.89
393.77
113.57
0.00
130.89
0.00
197.19
230.50
544.41
280.25
620.77
293.99
558.18
296.11
0.00
139.44
337.81
219.37
202.49
111.10
95.62
70.06
279.39
86.09
295.46
318.05
245.07
0.00
385.37
0.00
602.78
58.86
27.75
216.28
674.29
203.20
436.11
339.43
814.49
245.07
459.39
550.48
720.20
202.25
635.81
588.15
8,517.82
2.5
4.1
3.0
1.5
1.7
3.2
1.3
–
–
4.9
1.7
2.1
3.8
3.2
–
3.6
–
–
0.5
0.8
0.6
1.0
0.5
1.0
0.9
–
–
1.1
1.0
1.2
1.6
2.5
–
3.1
–
–
All workers .............................................................
75th
percentile
With no
out-ofpocket
maximum
Worker characteristic
Establishment characteristic
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
See footnotes at end of table.
Table 8. Standard errors for fee-for-service plans: Amount of annual individual out-of-pocket maximum,1 private
industry workers, National Compensation Survey, 2008—Continued
Amount of out-of-pocket maximum
Characteristic
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
out-ofpocket
maximum
Not
determinable
Establishment characteristic
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
4.7
3.6
5.0
5.5
4.5
4.9
5.5
$50.02
0.00
0.00
101.96
294.48
290.37
136.29
$189.22
244.68
169.64
325.86
62.05
92.03
407.35
$244.09
141.83
167.07
0.00
307.59
389.23
138.74
$356.85
315.78
352.91
363.13
684.71
1,271.76
198.41
$49.05
500.25
635.81
84.96
1,292.04
1,359.59
156.97
4.5
3.6
5.0
5.2
–
–
–
2.4
–
–
2.8
–
–
–
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
2.0
2.3
2.9
1.9
2.4
3.0
38.00
125.64
16.99
24.03
39.24
50.02
131.03
190.17
432.84
267.65
140.90
125.25
56.57
0.00
231.12
143.94
325.38
77.87
27.75
62.05
569.36
19.62
0.00
161.50
333.17
443.87
616.22
201.58
408.45
240.50
1.7
1.9
2.5
1.9
2.6
2.6
1.2
1.6
1.7
0.9
0.8
1.7
8.4
5.0
3.2
3.7
2.4
1.7
3.1
4.5
5.1
195.72
162.99
9.81
196.21
347.83
0.00
27.12
19.62
130.52
114.83
0.00
147.16
0.00
229.66
200.10
87.75
249.58
236.68
633.38
180.37
181.90
62.05
220.63
339.85
0.00
89.51
0.00
266.16
248.82
300.79
0.00
476.50
309.93
311.94
329.21
111.43
0.00
365.66
647.98
145.85
168.27
314.25
1,262.00
480.56
519.13
7.9
5.5
1.5
–
2.0
1.8
–
–
–
0.6
2.4
3.1
–
1.3
0.4
–
–
–
Geographic area
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 The 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 percentile groupings are based on the average wage for each occupation
surveyed, which may include workers both above and below the threshold. The
percentile values are based on the estimates published in the "National Compensation
Survey: Occupational Earnings in the United States, 2007." 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/glossary20082009.htm.
Table 9. Standard errors for fee-for-service plans: Amount of annual family out-of-pocket maximum,1 private industry
workers, National Compensation Survey, 2008
Amount of out-of-pocket maximum
Characteristic
All workers .............................................................
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
out-ofpocket
maximum
Not
determinable
1.5
$123.42
$67.26
$0.00
$390.95
$302.55
1.6
0.7
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
2.3
2.3
3.3
5.1
2.0
3.2
2.3
3.4
293.09
293.01
203.20
0.00
412.63
0.00
321.67
606.68
314.44
364.55
318.05
149.43
133.44
0.00
392.80
373.71
272.77
437.98
387.37
700.97
0.00
270.79
0.00
188.70
502.17
565.12
811.86
0.00
0.00
918.49
445.82
0.00
353.32
1,026.76
594.34
4,562.91
533.49
1,017.39
511.10
374.35
2.3
2.4
3.3
3.7
2.0
3.2
2.4
3.3
0.9
0.6
1.1
4.5
0.8
0.7
1.2
1.3
5.5
3.5
2.5
3.3
3.8
100.05
0.00
92.03
312.87
0.00
540.12
367.87
239.11
174.63
225.43
104.29
571.71
451.60
320.17
0.00
464.43
0.00
277.66
89.92
498.61
491.71
662.20
682.46
0.00
661.99
5.6
3.4
2.7
3.5
3.7
1.0
2.4
0.7
1.0
0.6
Full time .................................................................
Part time ................................................................
1.6
3.9
85.81
277.49
111.86
439.84
0.00
754.79
356.44
753.96
338.58
263.43
1.6
3.8
0.8
1.5
Union .....................................................................
Nonunion ...............................................................
4.1
1.6
265.80
19.62
292.71
120.16
208.12
0.00
380.35
113.14
1,065.13
380.35
3.9
1.6
1.8
0.7
Average wage within the following percentiles:2
Less than 10 ......................................................
10 to under 25 ...................................................
25 to under 50 ...................................................
50 to under 75 ...................................................
75 to under 90 ...................................................
90 or greater ......................................................
6.9
5.1
2.2
2.1
2.4
3.2
751.53
320.60
179.10
62.05
315.17
354.14
0.00
0.00
252.04
170.77
241.96
241.66
872.93
476.70
0.00
49.05
238.91
507.79
592.72
931.40
88.30
359.26
262.33
440.50
484.61
6,455.93
226.29
398.15
317.75
858.93
7.0
3.4
2.1
2.1
2.4
3.2
–
5.1
1.0
0.5
0.8
1.1
2.3
4.6
3.1
1.8
2.2
3.9
3.1
5.6
10.9
5.2
2.6
2.4
3.8
5.1
7.3
4.5
7.3
8.6
229.03
793.15
152.30
184.65
0.00
163.28
0.00
156.97
0.00
559.98
219.15
261.23
212.24
176.87
0.00
274.70
474.58
523.93
229.56
401.88
145.50
323.16
0.00
232.99
9.81
597.41
124.10
481.02
474.38
370.74
814.94
218.49
1,153.62
248.19
138.74
732.13
234.84
238.70
309.47
0.00
581.95
712.04
147.16
0.00
619.86
928.45
0.00
96.12
0.00
629.72
779.94
327.01
1,147.64
1,754.17
319.56
0.00
245.07
0.00
428.99
1,504.11
816.83
895.90
488.27
370.12
404.39
304.94
326.57
487.78
1,117.00
88.30
1,872.56
1,171.22
111.00
1,597.07
0.00
277.32
819.86
906.86
834.14
658.12
339.85
2,966.83
771.50
666.33
685.07
597.08
3,373.07
2,963.08
770.62
–
2.4
4.6
3.2
1.8
2.1
3.7
2.9
5.6
–
5.2
2.6
2.5
3.6
5.1
–
4.6
–
5.2
0.5
0.8
0.6
1.0
0.5
1.0
0.9
–
–
1.1
1.0
1.2
1.6
2.5
–
3.1
–
–
Worker characteristic
Establishment characteristic
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
See footnotes at end of table.
Table 9. Standard errors for fee-for-service plans: Amount of annual family out-of-pocket maximum,1 private industry
workers, National Compensation Survey, 2008—Continued
Amount of out-of-pocket maximum
Characteristic
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
out-ofpocket
maximum
Not
determinable
Establishment characteristic
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
4.8
3.9
5.0
5.5
7.8
10.0
10.8
$410.09
39.24
103.83
219.37
248.97
291.03
325.38
$280.42
230.86
321.03
474.98
0.00
156.97
0.00
$122.14
516.16
417.04
0.00
1,796.94
2,747.21
1,004.10
$595.87
646.32
504.47
642.13
0.00
372.94
1,501.71
$1,101.82
979.84
612.68
1,146.01
2,712.05
2,012.85
0.00
4.6
3.9
5.0
5.3
7.6
9.7
–
2.4
–
–
2.8
–
–
–
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
2.4
2.7
3.8
2.0
2.9
2.6
0.00
105.66
0.00
298.42
462.56
260.35
367.61
541.99
412.98
131.26
161.50
134.87
0.00
326.57
435.25
147.81
0.00
309.78
0.00
58.86
0.00
279.56
588.97
84.96
578.17
979.01
1,733.94
39.24
19.62
331.54
2.2
2.4
3.5
2.1
3.0
2.7
1.2
1.6
1.7
0.9
0.8
1.7
4.8
5.1
2.6
3.3
3.9
1.8
4.1
4.4
5.4
0.00
328.91
142.85
365.64
0.00
0.00
289.68
0.00
389.35
0.00
384.37
179.75
0.00
0.00
0.00
33.99
394.87
386.48
1,255.92
302.07
440.88
64.33
0.00
703.16
785.51
563.67
351.55
0.00
490.34
56.36
556.97
58.86
0.00
147.16
288.37
124.87
0.00
465.98
1,014.50
0.00
417.39
282.98
1,284.08
1,622.86
438.64
4.4
5.6
2.0
3.3
3.8
1.9
3.8
4.6
5.3
0.6
2.4
3.1
–
1.3
0.4
–
–
–
Geographic area
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 The 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 percentile groupings are based on the average wage for each occupation
surveyed, which may include workers both above and below the threshold. The
percentile values are based on the estimates published in the "National Compensation
Survey: Occupational Earnings in the United States, 2007." 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/glossary20082009.htm.
Table 10. Standard errors for health maintenance organizations: Summary of selected features, private industry
workers, National Compensation Survey, 2008
Annual deductible1
Characteristic
Yes
No
Coinsurance2
Not
determinable
Yes
No
Annual out-of-pocket maximum3
Not
determinable
Yes
No
Not
determinable
2.5
2.5
(4)
1.6
1.6
–
3.1
3.1
(4)
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
2.8
4.9
3.6
–
3.1
–
3.7
6.3
2.8
4.9
3.6
10.6
3.1
4.9
3.7
6.3
(4)
(4)
(4)
–
(4)
–
(4)
–
2.2
–
2.7
–
1.7
–
2.1
5.7
2.2
3.3
2.7
2.3
1.7
3.3
2.1
5.7
–
–
–
–
–
–
–
–
5.1
7.5
5.0
7.8
5.8
8.7
6.2
6.8
5.1
7.5
5.0
7.8
5.7
8.8
6.2
6.8
(4)
(4)
(4)
–
0.4
1.5
(4)
–
9.9
7.5
4.7
6.7
–
9.9
7.5
4.7
6.7
5.8
–
–
–
–
–
–
–
3.7
–
–
9.9
6.1
3.7
5.4
5.7
–
–
–
–
–
10.8
7.4
5.1
7.0
5.7
10.8
7.4
5.1
7.0
5.7
–
–
–
–
–
Full time .................................................................
Part time ................................................................
2.6
–
2.6
3.7
(4)
–
1.7
–
1.7
1.3
–
–
3.3
3.6
3.3
3.6
(4)
–
Union .....................................................................
Nonunion ...............................................................
–
2.5
7.7
2.5
–
(4)
–
2.1
1.5
2.1
–
–
5.6
4.1
5.4
4.1
0.6
(4)
Average wage within the following percentiles:5
Less than 10 ......................................................
10 to under 25 ...................................................
25 to under 50 ...................................................
50 to under 75 ...................................................
75 to under 90 ...................................................
90 or greater ......................................................
–
–
4.7
3.9
3.2
4.5
8.3
3.8
4.7
3.9
3.2
4.5
–
–
(4)
(4)
(4)
–
–
–
3.1
2.9
2.7
2.7
2.9
2.8
3.1
2.9
2.7
2.7
–
–
–
–
–
–
–
7.4
6.4
4.6
4.7
5.4
13.5
7.4
6.4
4.6
4.7
5.4
–
–
0.6
(4)
(4)
–
4.1
6.9
–
2.8
6.4
–
–
–
–
–
4.0
4.6
7.2
–
–
7.5
–
–
4.1
6.9
5.7
2.8
6.4
16.0
6.9
11.6
5.0
7.0
4.0
4.6
7.1
5.3
7.9
7.5
9.1
–
–
–
–
(4)
–
–
–
–
–
–
(4)
(4)
0.8
–
–
–
–
–
3.9
–
–
1.9
–
–
–
–
–
–
–
–
–
–
–
–
–
–
3.9
7.7
5.2
1.9
3.3
4.5
6.0
6.6
3.9
9.3
4.0
5.3
7.0
3.6
3.6
6.1
9.8
11.4
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
5.2
–
6.5
4.2
6.8
11.2
8.1
15.2
–
13.0
6.5
6.9
7.2
9.9
15.1
7.8
15.4
4.5
5.2
11.4
6.5
4.2
6.6
11.2
8.2
–
8.9
13.0
6.6
7.0
7.4
9.8
–
–
–
–
–
–
–
(4)
0.6
–
1.3
–
–
–
(4)
(4)
0.8
(4)
–
–
–
–
All workers .............................................................
Worker characteristic
Establishment characteristic
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
See footnotes at end of table.
Table 10. Standard errors for health maintenance organizations: Summary of selected features, private industry
workers, National Compensation Survey, 2008—Continued
Annual deductible1
Characteristic
Yes
No
Coinsurance2
Not
determinable
Yes
No
Annual out-of-pocket maximum3
Not
determinable
Yes
No
Not
determinable
Establishment characteristic
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
–
3.2
3.9
–
–
–
–
4.8
3.2
3.9
6.1
10.0
14.6
11.3
–
–
–
–
–
–
–
–
–
–
–
–
–
–
0.9
2.4
1.9
0.8
7.0
12.0
8.2
–
–
–
–
–
–
–
7.8
9.6
4.3
9.4
–
–
15.2
7.8
9.6
4.3
9.4
12.6
–
–
–
–
–
–
–
–
–
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
4.7
5.8
–
5.0
6.0
5.1
4.7
5.8
7.5
5.0
6.0
5.1
(4)
(4)
–
–
–
–
3.2
3.7
–
2.0
3.1
1.4
3.2
3.7
5.6
2.0
3.1
1.4
–
–
–
–
–
–
5.8
6.5
8.2
4.2
5.6
7.0
5.8
6.4
8.2
4.2
5.6
7.0
(4)
(4)
0.4
–
–
–
7.3
4.5
6.4
–
–
–
–
–
–
7.3
4.5
6.4
14.9
4.6
–
14.6
7.6
2.5
–
–
–
–
–
–
–
–
–
0.9
–
4.0
–
–
–
–
–
–
0.9
4.7
4.0
13.6
3.0
12.5
6.7
12.4
2.5
–
–
–
–
–
–
–
–
–
8.6
3.0
6.2
–
5.0
16.2
15.4
14.5
3.7
8.6
3.0
6.2
–
5.0
–
–
–
3.6
–
–
–
–
–
–
–
–
(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 towrad 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 0.05.
5 The percentile groupings are based on the average wage for each occupation
surveyed, which may include workers both above and below the threshold. The
percentile values are based on the estimates published in the "National Compensation
Survey: Occupational Earnings in the United States, 2007." 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/glossary20082009.htm.
Table 11. Standard errors for outpatient prescription drug benefits: Type of
coverage, private industry workers, National Compensation Survey, 2008
Characteristic
All workers .............................................................
Generic
drugs
Brand-name
drugs
Mail order
drugs
Formulary
drugs1
0.1
0.3
1.3
1.6
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
0.2
0.4
0.1
0.2
0.1
0.4
0.1
0.4
0.1
0.0
0.2
0.3
0.4
0.4
0.6
1.8
1.7
2.3
2.7
4.3
1.7
2.7
1.9
3.3
2.5
3.1
2.9
4.0
1.7
2.5
2.0
4.1
0.7
0.1
0.2
0.3
0.2
0.8
3.4
0.1
0.2
0.1
5.5
4.0
2.5
3.2
3.7
6.4
3.8
2.9
3.8
3.3
Full time .................................................................
Part time ................................................................
0.2
0.0
0.2
3.5
1.4
5.2
1.6
4.3
Union .....................................................................
Nonunion ...............................................................
0.1
0.2
1.3
0.2
3.7
1.5
2.6
1.8
Average wage within the following percentiles:2
Less than 10 ......................................................
10 to under 25 ...................................................
25 to under 50 ...................................................
50 to under 75 ...................................................
75 to under 90 ...................................................
90 or greater ......................................................
0.0
0.1
0.1
0.2
0.2
0.3
0.0
0.3
0.3
0.4
0.3
1.2
6.2
5.0
1.8
1.7
1.7
3.3
5.9
5.3
2.1
2.0
2.6
2.9
0.5
1.2
0.6
0.0
0.1
0.4
0.1
0.0
0.9
0.0
0.1
0.2
0.0
0.5
0.0
0.0
0.0
0.0
0.3
1.0
0.2
0.3
0.3
0.8
0.3
0.0
0.0
0.4
0.8
1.1
0.0
2.9
0.0
1.3
0.0
3.6
2.0
5.0
2.5
1.6
2.9
6.6
3.2
5.1
3.2
2.6
2.1
2.4
4.3
4.0
2.5
4.0
5.7
6.9
2.9
5.3
3.5
1.8
2.2
6.0
2.4
6.1
5.8
2.4
2.7
2.4
3.7
4.6
9.9
5.1
7.1
9.4
Worker characteristic
Establishment characteristic
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
See footnotes at end of table.
Table 11. Standard errors for outpatient prescription drug benefits: Type of
coverage, private industry workers, National Compensation Survey,
2008—Continued
Characteristic
Generic
drugs
Brand-name
drugs
Mail order
drugs
Formulary
drugs1
Establishment characteristic
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.1
0.3
0.0
0.1
1.8
0.0
0.0
3.3
3.7
3.0
3.9
10.3
12.9
10.5
3.5
3.7
4.5
4.3
9.1
10.9
8.0
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
0.1
0.2
0.0
0.2
0.4
0.0
0.6
0.7
0.8
0.1
0.2
0.0
2.2
2.6
4.2
1.3
2.1
1.5
2.5
3.1
3.9
1.7
2.3
2.5
0.0
0.2
0.1
1.6
0.4
0.0
0.1
0.0
0.3
0.2
0.7
0.1
0.1
0.3
0.3
0.6
1.0
1.2
1.1
3.6
2.4
4.7
2.8
4.7
4.2
7.2
4.3
3.4
3.3
3.2
7.0
2.7
4.9
3.8
7.0
5.2
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 percentile groupings are based on the average
wage for each occupation surveyed, which may include
workers both above and below the threshold. The
percentile values are based on the estimates published in
the "National Compensation Survey: Occupational
Earnings in the United States, 2007." 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/glossary20082009.htm.
Table 12. Standard errors for outpatient prescription drug benefits: Copayment provisions, private industry workers,
National Compensation Survey, 2008
Generic drugs1
Characteristic
All workers .............................................................
Brand-name drugs2
Median
Median
copayment
copayment
No
Not
No
Not
Copayment
Copayment
per
per
copayment determinable
copayment determinable
prescription
prescription
1.2
1.2
0.3
$0.00
1.1
1.1
0.3
$0.00
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
2.2
2.1
2.8
1.2
1.6
1.5
3.3
1.8
2.3
2.0
2.8
1.1
1.5
1.3
3.0
0.6
0.7
0.7
0.2
0.4
0.4
0.5
0.9
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
1.8
2.2
2.0
3.0
1.3
1.8
1.4
2.7
1.7
2.3
1.8
3.0
1.1
1.6
1.3
2.6
0.7
0.7
0.9
(3)
0.3
0.6
0.4
0.7
0.00
0.00
0.00
0.00
0.00
0.78
0.00
0.00
6.2
3.3
1.9
3.0
1.8
6.0
3.3
1.8
3.0
1.8
1.5
0.8
0.3
0.4
0.5
0.00
0.00
0.00
0.00
0.00
5.2
2.6
1.9
3.1
2.5
5.1
2.5
1.9
3.0
2.4
1.3
0.6
0.3
0.4
0.5
0.00
0.00
0.00
0.00
0.00
Full time .................................................................
Part time ................................................................
1.1
4.5
1.1
–
0.3
–
0.00
0.00
1.1
3.8
1.1
–
0.3
–
0.00
0.00
Union .....................................................................
Nonunion ...............................................................
2.7
1.3
2.6
1.3
0.4
0.3
0.00
0.00
2.7
1.3
2.5
1.2
0.8
0.3
0.00
0.00
Average wage within the following percentiles:4
Less than 10 ......................................................
10 to under 25 ...................................................
25 to under 50 ...................................................
50 to under 75 ...................................................
75 to under 90 ...................................................
90 or greater ......................................................
5.5
3.1
1.6
1.4
2.1
2.5
–
3.1
1.4
1.3
2.1
2.5
–
0.4
0.7
0.5
0.4
0.6
0.00
0.00
0.00
0.00
0.00
0.00
5.6
3.1
1.6
1.4
1.9
2.2
–
3.1
1.4
1.3
1.9
2.1
–
0.4
0.7
0.4
0.4
0.9
0.00
0.00
0.00
0.00
0.00
0.00
2.3
4.4
2.5
1.3
1.9
3.7
1.8
3.6
10.4
4.4
3.1
2.2
3.3
3.8
10.8
2.9
3.6
5.4
2.2
3.9
2.4
1.2
1.8
3.7
1.7
–
–
4.1
2.8
1.8
2.0
3.6
–
2.8
–
5.4
0.6
2.0
0.3
0.3
0.3
0.8
0.3
–
–
1.8
1.4
1.2
2.6
1.4
–
0.6
–
–
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
0.00
0.00
0.00
2.2
4.1
2.6
1.2
1.7
3.5
1.9
4.8
10.0
3.0
3.2
2.2
3.3
3.7
10.8
3.3
3.6
7.5
2.1
3.6
2.5
1.1
1.7
3.5
1.9
4.8
–
2.4
2.9
1.7
2.0
3.4
–
3.2
–
–
0.5
1.8
0.4
0.3
0.2
(3)
0.4
0.3
–
1.8
1.4
1.2
2.6
1.4
–
0.6
–
–
0.00
0.00
0.00
0.00
0.00
0.00
4.15
0.00
2.19
0.00
0.00
0.00
0.00
0.00
4.91
0.00
0.00
0.00
Worker characteristic
Establishment characteristic
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
See footnotes at end of table.
Table 12. Standard errors for outpatient prescription drug benefits: Copayment provisions, private industry workers,
National Compensation Survey, 2008—Continued
Generic drugs1
Characteristic
Brand-name drugs2
Median
Median
copayment
copayment
No
Not
No
Not
Copayment
Copayment
per
per
copayment determinable
copayment determinable
prescription
prescription
Establishment characteristic
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
2.6
2.5
2.3
3.1
4.4
5.4
7.0
2.3
–
–
2.8
–
–
–
0.8
–
–
1.1
–
–
–
$0.00
0.00
0.00
0.00
0.00
0.00
0.00
2.5
3.1
2.2
3.0
4.0
5.5
7.0
2.2
2.9
2.2
2.5
4.0
–
–
1.0
1.0
(3)
1.4
–
–
–
$0.00
0.00
4.29
0.00
0.00
0.00
0.00
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
2.1
2.3
3.3
1.3
2.1
1.5
2.0
2.2
3.1
1.3
2.1
1.6
0.6
0.6
1.2
0.2
0.3
0.4
0.00
0.00
0.00
0.00
0.00
0.00
1.7
1.9
3.1
1.2
2.0
1.5
1.6
1.8
2.8
1.3
2.0
1.4
0.5
0.6
1.2
0.3
0.3
0.6
0.00
0.00
2.19
0.00
0.00
2.30
1.5
3.9
2.1
3.1
2.9
2.8
4.7
6.1
3.0
1.1
3.6
1.9
2.9
3.0
–
4.6
–
3.3
0.4
0.8
1.0
0.8
0.4
–
(3)
–
0.6
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
1.2
3.7
1.7
3.7
2.1
4.5
4.8
6.5
3.2
1.2
–
1.3
3.6
2.2
–
4.7
–
3.2
0.6
–
1.0
0.8
(3)
–
(3)
–
0.8
0.00
7.37
6.33
5.75
0.00
0.00
0.39
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 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 Less than 0.05.
4 The percentile groupings are based on the average wage for each occupation
surveyed, which may include workers both above and below the threshold. The
percentile values are based on the estimates published in the "National Compensation
Survey: Occupational Earnings in the United States, 2007." 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/glossary20082009.htm.