| 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 | 28.1% | 25.2% | 84.4% | 37.8% | 61.3% | 21.6% | 19.5% | 65.8% |
| Firm size | ||||||||
| Less than 50 employees | 12.4% | 22.8% | 81.0% | 32.3% | 53.4% | 9.6% | 9.6% | 57.8% |
| 50+ employees | 51.9% | 28.9% | 89.5% | 46.1% | 73.2% | 39.7% | 34.6% | 78.0% |
| Less than 10 employees | 10.3% | 24.6% | 78.8% | 32.0% | 50.1% | 8.7% | 8.5% | 46.8% |
| 10-24 employees | 14.1% | 19.7% | 84.3% | 31.8% | 58.6% | 10.4% | 11.0% | 75.2% |
| 25-99 employees | 21.5% | 18.4% | 87.4% | 36.0% | 60.8% | 14.8% | 13.9% | 82.2% |
| 100-999 employees | 37.0% | 22.7% | 87.0% | 38.2% | 68.5% | 25.1% | 23.2% | 84.8% |
| 1000+ employees | 67.1% | 35.0% | 91.1% | 52.6% | 78.6% | 52.9% | 45.2% | 73.2% |
| Industry group ** | ||||||||
| Agric., fish., forest. | 12.8% | 34.7% | 68.3% | 21.4% | 52.7% | 10.1% | 10.3% | 43.5% |
| Mining | 8.1% | 25.2% | 76.1% | 17.5% | 61.5% | 20.7% | 25.1% | 62.4% |
| Construction | 9.6% | 18.8% | 83.5% | 29.3% | 57.3% | 9.6% | 9.2% | 67.7% |
| Manufacturing | 26.6% | 23.3% | 86.0% | 38.9% | 59.2% | 18.1% | 15.8% | 78.1% |
| Transp., commu., util. | 40.4% | 38.1% | 84.1% | 40.9% | 64.4% | 38.5% | 36.8% | 69.3% |
| Wholesale trade | 25.5% | 21.3% | 86.2% | 35.1% | 63.4% | 21.2% | 17.5% | 68.9% |
| Retail Trade | 34.9% | 26.5% | 85.7% | 40.7% | 63.6% | 26.2% | 23.1% | 76.9% |
| Fin., ins., real est. | 42.1% | 25.3% | 86.9% | 43.3% | 70.3% | 41.4% | 36.5% | 57.2% |
| Services | 22.9% | 24.7% | 83.2% | 37.0% | 57.3% | 13.2% | 12.7% | 58.2% |
| Unknown | 18.6% | 47.8% | 52.2% | 0.0% | 52.2% | 9.7% | 9.7% | 15.8% |
| Ownership | ||||||||
| For profit, incorporated | 30.1% | 24.7% | 85.8% | 38.3% | 63.6% | 23.2% | 21.1% | 69.6% |
| For profit, unincorporated | 15.8% | 27.5% | 78.6% | 34.8% | 49.9% | 12.6% | 10.0% | 53.1% |
| Nonprofit | 25.0% | 24.7% | 82.0% | 38.5% | 55.8% | 21.0% | 20.2% | 51.7% |
| Unknown | 41.4% | 27.4% | 83.7% | 36.0% | 69.2% | 21.9% | 20.4% | 69.7% |
| Age of firm | ||||||||
| Less than 5 years | 13.4% | 19.0% | 84.4% | 34.7% | 54.7% | 7.8% | 6.9% | 58.1% |
| 5-9 years | 13.2% | 18.3% | 85.3% | 35.9% | 55.4% | 7.2% | 6.7% | 61.7% |
| 10-19 years | 15.9% | 23.3% | 82.7% | 33.2% | 57.1% | 9.2% | 9.2% | 62.8% |
| 20 or more years | 34.7% | 29.7% | 83.9% | 42.6% | 61.0% | 31.3% | 28.8% | 64.1% |
| Unknown | 47.6% | 27.9% | 86.2% | 37.6% | 73.4% | 35.3% | 30.2% | 78.9% |
| Multi/single status | ||||||||
| 2 or more locations | 49.9% | 29.5% | 88.5% | 44.6% | 72.3% | 38.8% | 33.9% | 77.2% |
| 1 location only | 13.2% | 22.3% | 81.6% | 33.2% | 53.7% | 9.8% | 9.6% | 57.9% |
| Percent full-time employees | ||||||||
| Less than 25% | 21.5% | 33.5% | 76.0% | 35.7% | 49.4% | 16.8% | 15.6% | 55.2% |
| 25-49 % | 32.5% | 26.5% | 84.9% | 44.0% | 62.6% | 23.4% | 22.0% | 70.2% |
| 50-74 % | 23.8% | 27.1% | 81.1% | 38.5% | 55.7% | 14.5% | 13.0% | 66.1% |
| 75% or more | 28.8% | 24.3% | 85.4% | 37.2% | 62.8% | 22.9% | 20.7% | 65.8% |
| Union presence | ||||||||
| No union employees | 24.2% | 23.6% | 84.0% | 35.8% | 59.9% | 18.2% | 16.6% | 66.3% |
| Has union employees | 58.2% | 32.5% | 89.3% | 51.0% | 74.8% | 48.1% | 42.1% | 73.6% |
| Unknown | 52.0% | 39.1% | 85.7% | 52.5% | 66.6% | 41.6% | 36.8% | 52.4% |
| Percent low wage employees ** | ||||||||
| 50% or more low wage | 27.6% | 31.2% | 79.3% | 35.6% | 57.2% | 18.7% | 18.4% | 68.2% |
| Less than 50% low wage | 22.5% | 22.0% | 84.9% | 37.3% | 59.8% | 17.9% | 16.4% | 65.1% |
| Unknown | 50.5% | 34.6% | 85.0% | 40.9% | 69.2% | 37.3% | 32.1% | 67.2% |
| Source: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends. 1997 Medical Expenditure Panel Survey-Insurance Component. | ||||||||
| Note: Definitions and descriptions of the methods used for this survey can be found in the Technical Appendix. | ||||||||
| ** 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 | 0.37% | 0.46% | 0.34% | 0.59% | 0.55% | 0.76% | 0.70% | 0.65% |
| Firm size | ||||||||
| Less than 50 employees | 0.38% | 0.56% | 0.57% | 0.60% | 0.62% | 0.50% | 0.61% | 0.63% |
| 50+ employees | 0.74% | 0.88% | 0.36% | 1.08% | 0.58% | 1.39% | 1.12% | 1.09% |
| Less than 10 employees | 0.50% | 1.03% | 0.95% | 0.94% | 1.00% | 0.56% | 0.72% | 1.45% |
| 10-24 employees | 1.02% | 1.17% | 0.92% | 0.81% | 0.78% | 0.51% | 0.70% | 1.21% |
| 25-99 employees | 0.83% | 1.19% | 0.69% | 0.90% | 1.18% | 0.96% | 0.76% | 0.65% |
| 100-999 employees | 1.31% | 1.26% | 0.92% | 1.65% | 0.97% | 1.08% | 1.30% | 1.03% |
| 1000+ employees | 0.98% | 1.14% | 0.25% | 1.36% | 0.82% | 1.89% | 1.66% | 1.65% |
| Industry group ** | ||||||||
| Agric., fish., forest. | 3.64% | 4.04% | 3.48% | 4.21% | 4.49% | 2.45% | 2.72% | 3.73% |
| Mining | 1.99% | 10.00% | 9.09% | 4.86% | 9.25% | 6.03% | 7.67% | 8.28% |
| Construction | 1.04% | 0.94% | 1.07% | 1.27% | 1.60% | 1.04% | 1.21% | 3.03% |
| Manufacturing | 1.37% | 1.58% | 1.23% | 1.41% | 2.37% | 1.15% | 1.17% | 1.97% |
| Transp., commu., util. | 2.59% | 2.27% | 1.66% | 2.38% | 2.26% | 1.57% | 1.25% | 2.49% |
| Wholesale trade | 1.41% | 1.54% | 1.28% | 2.51% | 2.01% | 0.93% | 1.31% | 2.16% |
| Retail Trade | 1.18% | 1.45% | 1.13% | 1.31% | 1.16% | 1.34% | 0.83% | 1.29% |
| Fin., ins., real est. | 1.66% | 1.95% | 1.04% | 1.74% | 2.29% | 2.81% | 2.42% | 1.57% |
| Services | 0.67% | 0.66% | 0.90% | 0.73% | 0.41% | 0.56% | 0.71% | 0.84% |
| Unknown | 6.36% | 13.86% | 14.54% | 0.00% | 14.54% | 10.16% | 10.16% | 5.02% |
| Ownership | ||||||||
| For profit, incorporated | 0.53% | 0.59% | 0.25% | 0.34% | 0.48% | 0.83% | 0.76% | 0.86% |
| For profit, unincorporated | 1.19% | 1.38% | 1.25% | 2.22% | 1.65% | 1.31% | 1.11% | 1.71% |
| Nonprofit | 0.59% | 0.98% | 0.83% | 0.99% | 1.44% | 0.95% | 0.97% | 1.25% |
| Unknown | 2.97% | 2.68% | 2.89% | 4.62% | 4.10% | 1.31% | 1.59% | 3.68% |
| Age of firm | ||||||||
| Less than 5 years | 0.91% | 1.29% | 1.10% | 2.03% | 1.58% | 0.82% | 0.88% | 1.96% |
| 5-9 years | 1.11% | 1.20% | 1.08% | 1.27% | 1.48% | 0.83% | 0.86% | 1.25% |
| 10-19 years | 1.34% | 0.91% | 1.06% | 1.00% | 1.35% | 0.60% | 0.75% | 1.27% |
| 20 or more years | 1.19% | 1.08% | 0.63% | 0.98% | 1.12% | 1.64% | 1.38% | 0.99% |
| Unknown | 1.06% | 1.25% | 0.73% | 1.28% | 0.67% | 1.36% | 1.34% | 0.66% |
| Multi/single status | ||||||||
| 2 or more locations | 0.65% | 0.86% | 0.46% | 1.07% | 0.79% | 1.46% | 1.19% | 1.14% |
| 1 location only | 0.38% | 0.54% | 0.51% | 0.58% | 0.65% | 0.33% | 0.45% | 0.59% |
| Percent full-time employees | ||||||||
| Less than 25% | 2.68% | 1.36% | 2.00% | 2.89% | 2.72% | 2.01% | 2.16% | 2.93% |
| 25-49 % | 1.54% | 1.59% | 1.12% | 1.03% | 1.99% | 2.11% | 2.00% | 2.52% |
| 50-74 % | 1.17% | 1.24% | 1.24% | 1.49% | 1.62% | 0.85% | 0.93% | 0.96% |
| 75% or more | 0.42% | 0.48% | 0.42% | 0.89% | 0.67% | 0.98% | 0.83% | 0.71% |
| Union presence | ||||||||
| No union employees | 0.41% | 0.42% | 0.34% | 0.60% | 0.66% | 0.65% | 0.62% | 0.68% |
| Has union employees | 2.27% | 1.93% | 1.52% | 2.57% | 2.80% | 2.50% | 2.49% | 2.08% |
| Unknown | 2.79% | 2.76% | 1.95% | 1.96% | 3.23% | 3.23% | 3.09% | 2.43% |
| Percent low wage employees ** | ||||||||
| 50% or more low wage | 1.55% | 1.51% | 1.36% | 1.70% | 1.42% | 1.65% | 1.61% | 2.56% |
| Less than 50% low wage | 0.54% | 0.66% | 0.53% | 0.84% | 0.77% | 0.81% | 0.77% | 0.65% |
| Unknown | 1.54% | 1.37% | 0.70% | 1.10% | 1.08% | 1.46% | 1.32% | 1.54% |
| Source: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends. 1997 Medical Expenditure Panel Survey-Insurance Component. | ||||||||
| Note: Definitions and descriptions of the methods used for this survey can be found in the Technical Appendix. | ||||||||
| ** 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. | ||||||||