| Characteristics | Two or more plans | Conventional indemnity | Any managed care | Exclusive provider | Mixed provider | Insurance to retirees under 65 | Insurance to retirees 65 and over | With waiting period |
|---|---|---|---|---|---|---|---|---|
| United States | 21.5% | 27.9% | 78.6% | 32.4% | 55.1% | -- | -- | 58.6% |
| Firm size | ||||||||
| Less than 50 employees | 10.6% | 27.8% | 76.1% | 30.5% | 49.0% | -- | -- | 59.0% |
| 50+ employees | 39.3% | 28.2% | 82.8% | 35.5% | 64.9% | -- | -- | 57.9% |
| Less than 10 employees | 9.3% | 30.1% | 73.3% | 29.7% | 46.4% | -- | -- | 49.7% |
| 10-24 employees | 11.9% | 23.4% | 80.7% | 32.5% | 52.5% | -- | -- | 74.5% |
| 25-99 employees | 15.8% | 22.8% | 82.6% | 30.7% | 58.5% | -- | -- | 80.7% |
| 100-999 employees | 28.2% | 23.2% | 84.4% | 32.8% | 65.0% | -- | -- | 79.3% |
| 1000+ employees | 49.9% | 32.3% | 81.8% | 38.1% | 65.7% | -- | -- | 41.4% |
| Industry group ** | ||||||||
| Agric., fish., forest. | 10.8% | 41.4% | 61.4% | 20.2% | 45.1% | -- | -- | 44.3% |
| Mining | 22.3% | 47.3% | 63.9% | 11.3% | 56.1% | -- | -- | 44.0% |
| Construction | 12.9% | 22.7% | 81.6% | 34.7% | 51.3% | -- | -- | 64.6% |
| Manufacturing | 23.4% | 26.1% | 83.0% | 37.0% | 55.6% | -- | -- | 77.8% |
| Transp., commu., util. | 23.8% | 24.4% | 82.2% | 29.8% | 62.0% | -- | -- | 60.0% |
| Wholesale trade | 20.1% | 28.6% | 78.1% | 27.8% | 58.2% | -- | -- | 63.7% |
| Retail Trade | 26.7% | 26.8% | 79.6% | 33.8% | 56.1% | -- | -- | 56.1% |
| Fin., ins., real est. | 32.4% | 31.4% | 79.5% | 36.5% | 58.2% | -- | -- | 51.5% |
| Services | 16.6% | 28.1% | 77.3% | 31.5% | 53.0% | -- | -- | 56.7% |
| Unknown | 1.6% | 41.5% | 58.5% | 9.1% | 49.4% | -- | -- | 25.0% |
| Ownership | ||||||||
| For profit, incorporated | 22.5% | 26.5% | 80.3% | 32.9% | 56.9% | -- | -- | 61.5% |
| For profit, unincorporated | 13.4% | 31.3% | 73.6% | 29.9% | 47.8% | -- | -- | 51.7% |
| Nonprofit | 20.9% | 33.5% | 73.5% | 32.9% | 49.7% | -- | -- | 48.9% |
| Unknown | 31.5% | 31.4% | 75.4% | 31.1% | 58.2% | -- | -- | 47.9% |
| Age of firm | ||||||||
| Less than 5 years | 11.8% | 25.6% | 77.6% | 31.2% | 51.0% | -- | -- | 56.1% |
| 5-9 years | 9.7% | 23.9% | 79.6% | 33.5% | 49.4% | -- | -- | 62.5% |
| 10-19 years | 11.2% | 25.8% | 77.7% | 31.5% | 50.3% | -- | -- | 63.4% |
| 20 or more years | 18.0% | 29.9% | 76.3% | 28.9% | 54.2% | -- | -- | 66.6% |
| Unknown | 44.7% | 30.6% | 82.1% | 37.5% | 64.9% | -- | -- | 44.8% |
| Multi/single status | ||||||||
| 2 or more locations | 37.9% | 28.6% | 82.1% | 34.9% | 64.3% | -- | -- | 57.8% |
| 1 location only | 11.0% | 27.5% | 76.4% | 30.9% | 49.2% | -- | -- | 59.1% |
| Percent full-time employees | ||||||||
| Less than 25% | 22.2% | 32.5% | 74.3% | 29.5% | 52.1% | -- | -- | 48.4% |
| 25-49 % | 24.3% | 30.6% | 75.7% | 31.3% | 52.4% | -- | -- | 54.8% |
| 50-74 % | 22.4% | 25.9% | 80.7% | 34.8% | 56.1% | -- | -- | 59.3% |
| 75% or more | 21.1% | 27.8% | 78.8% | 32.3% | 55.3% | -- | -- | 59.3% |
| Union presence | ||||||||
| No union employees | 16.3% | 27.4% | 77.8% | 31.0% | 53.4% | -- | -- | 67.2% |
| Has union employees | 35.9% | 33.5% | 82.3% | 35.1% | 60.5% | -- | -- | 68.7% |
| Unknown | 38.3% | 29.0% | 80.9% | 37.4% | 60.5% | -- | -- | 23.3% |
| Percent low wage employees ** | ||||||||
| 50% or more low wage | 20.2% | 32.2% | 73.5% | 30.1% | 49.3% | -- | -- | 66.6% |
| Less than 50% low wage | 15.7% | 26.4% | 79.1% | 31.5% | 54.0% | -- | -- | 66.8% |
| Unknown | 39.2% | 30.5% | 79.7% | 36.3% | 61.0% | -- | -- | 31.0% |
| Source: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends. 1996 Medical Expenditure Panel Survey-Insurance Component. | ||||||||
| Note: Definitions and descriptions of the methods used for this survey can be found in the Technical Appendix. | ||||||||
| -- Data suppressed due to high standard errors or no reported values in cell. | ||||||||
| ** Definitions of industry groups and low-wage employees changed in 2000. These data are not comparable to IC data prior to 2000. See Technical Appendix. | ||||||||
| Characteristics | Two or more plans | Conventional indemnity | Any managed care | Exclusive provider | Mixed provider | Insurance to retirees under 65 | Insurance to retirees 65 and over | With waiting period |
|---|---|---|---|---|---|---|---|---|
| United States | 0.52% | 0.58% | 0.42% | 0.50% | 0.72% | -- | -- | 0.55% |
| Firm size | ||||||||
| Less than 50 employees | 0.32% | 0.68% | 0.54% | 0.80% | 0.96% | -- | -- | 0.67% |
| 50+ employees | 1.14% | 0.84% | 0.67% | 0.69% | 0.68% | -- | -- | 0.97% |
| Less than 10 employees | 0.33% | 0.93% | 0.81% | 1.15% | 0.95% | -- | -- | 0.91% |
| 10-24 employees | 0.74% | 1.21% | 1.05% | 1.37% | 1.18% | -- | -- | 0.92% |
| 25-99 employees | 0.87% | 1.21% | 1.15% | 1.38% | 1.21% | -- | -- | 1.34% |
| 100-999 employees | 1.55% | 1.31% | 1.74% | 1.86% | 1.41% | -- | -- | 0.72% |
| 1000+ employees | 1.42% | 0.97% | 0.76% | 1.11% | 1.14% | -- | -- | 1.87% |
| Industry group ** | ||||||||
| Agric., fish., forest. | 2.54% | 3.11% | 2.67% | 1.36% | 2.57% | -- | -- | 2.59% |
| Mining | 7.04% | 5.57% | 6.10% | 4.15% | 5.59% | -- | -- | 5.27% |
| Construction | 1.46% | 1.84% | 2.11% | 2.58% | 1.78% | -- | -- | 1.59% |
| Manufacturing | 1.47% | 1.05% | 0.96% | 1.37% | 2.18% | -- | -- | 1.15% |
| Transp., commu., util. | 1.96% | 1.85% | 1.64% | 1.77% | 2.20% | -- | -- | 3.37% |
| Wholesale trade | 1.20% | 1.39% | 1.34% | 1.62% | 1.80% | -- | -- | 2.19% |
| Retail Trade | 1.31% | 0.86% | 0.92% | 1.58% | 1.07% | -- | -- | 1.33% |
| Fin., ins., real est. | 1.37% | 1.62% | 1.67% | 1.66% | 1.74% | -- | -- | 2.54% |
| Services | 0.73% | 1.26% | 0.92% | 1.28% | 1.32% | -- | -- | 0.94% |
| Unknown | 2.10% | 11.76% | 13.27% | 6.22% | 11.95% | -- | -- | 10.75% |
| Ownership | ||||||||
| For profit, incorporated | 0.72% | 0.55% | 0.52% | 0.49% | 0.83% | -- | -- | 0.80% |
| For profit, unincorporated | 0.92% | 1.10% | 0.70% | 1.81% | 2.13% | -- | -- | 1.30% |
| Nonprofit | 1.18% | 1.55% | 1.39% | 1.72% | 1.04% | -- | -- | 2.01% |
| Unknown | 2.89% | 3.12% | 2.56% | 2.51% | 2.35% | -- | -- | 2.38% |
| Age of firm | ||||||||
| Less than 5 years | 1.22% | 2.18% | 1.98% | 1.82% | 1.72% | -- | -- | 1.37% |
| 5-9 years | 1.23% | 1.43% | 1.01% | 1.39% | 1.51% | -- | -- | 1.36% |
| 10-19 years | 0.93% | 1.30% | 0.94% | 1.47% | 1.61% | -- | -- | 1.37% |
| 20 or more years | 0.54% | 0.49% | 0.46% | 1.38% | 0.93% | -- | -- | 1.36% |
| Unknown | 1.12% | 0.54% | 1.01% | 0.95% | 0.72% | -- | -- | 1.32% |
| Multi/single status | ||||||||
| 2 or more locations | 1.00% | 0.74% | 0.68% | 0.55% | 0.72% | -- | -- | 1.07% |
| 1 location only | 0.30% | 0.70% | 0.51% | 0.82% | 0.89% | -- | -- | 0.71% |
| Percent full-time employees | ||||||||
| Less than 25% | 3.30% | 1.91% | 1.99% | 2.86% | 3.00% | -- | -- | 2.31% |
| 25-49 % | 2.27% | 2.22% | 2.22% | 2.54% | 2.89% | -- | -- | 2.25% |
| 50-74 % | 1.08% | 1.29% | 1.21% | 1.10% | 1.38% | -- | -- | 2.33% |
| 75% or more | 0.75% | 0.61% | 0.43% | 0.53% | 0.78% | -- | -- | 0.46% |
| Union presence | ||||||||
| No union employees | 0.52% | 0.69% | 0.55% | 0.69% | 0.86% | -- | -- | 0.70% |
| Has union employees | 1.86% | 1.97% | 1.60% | 1.64% | 3.11% | -- | -- | 2.17% |
| Unknown | 1.21% | 0.83% | 1.01% | 1.11% | 1.20% | -- | -- | 1.21% |
| Percent low wage employees ** | ||||||||
| 50% or more low wage | 1.03% | 1.60% | 1.47% | 0.68% | 1.63% | -- | -- | 1.45% |
| Less than 50% low wage | 0.47% | 0.57% | 0.50% | 0.86% | 0.88% | -- | -- | 0.58% |
| Unknown | 1.56% | 0.93% | 0.98% | 1.17% | 1.13% | -- | -- | 1.59% |
| Source: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends. 1996 Medical Expenditure Panel Survey-Insurance Component. | ||||||||
| Note: Definitions and descriptions of the methods used for this survey can be found in the Technical Appendix. | ||||||||
| -- Data suppressed due to high standard errors or no reported values in cell. | ||||||||
| ** Definitions of industry groups and low-wage employees changed in 2000. These data are not comparable to IC data prior to 2000. See Technical Appendix. | ||||||||