| 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 | 32.4% | 22.8% | 86.4% | 38.6% | 60.9% | 16.2% | 15.4% | 68.2% |
| Firm size | ||||||||
| Less than 50 employees | 17.6% | 19.8% | 82.7% | 34.0% | 52.2% | 5.5% | 5.6% | 61.3% |
| 50+ employees | 56.4% | 27.7% | 92.3% | 46.0% | 74.9% | 33.5% | 31.1% | 79.3% |
| Less than 10 employees | 14.5% | 22.1% | 80.0% | 33.1% | 49.3% | 4.0% | 4.3% | 50.5% |
| 10-24 employees | 22.1% | 17.0% | 86.1% | 35.7% | 55.3% | 7.0% | 7.2% | 78.8% |
| 25-99 employees | 28.8% | 14.4% | 89.6% | 35.6% | 62.4% | 11.5% | 11.5% | 85.0% |
| 100-999 employees | 39.8% | 15.5% | 91.7% | 37.4% | 69.4% | 19.8% | 18.7% | 86.7% |
| 1000+ employees | 69.5% | 36.1% | 93.4% | 52.6% | 80.2% | 44.9% | 41.2% | 73.7% |
| Industry group ** | ||||||||
| Agric., fish., forest. | 16.4% | 31.4% | 71.3% | 27.2% | 46.7% | 8.9% | 9.5% | 42.1% |
| Mining | 39.0% | 38.9% | 70.7% | 24.0% | 56.2% | 27.0% | 25.0% | 54.3% |
| Construction | 18.2% | 20.1% | 83.1% | 32.4% | 53.8% | 5.4% | 6.3% | 64.8% |
| Manufacturing | 30.5% | 16.5% | 90.1% | 40.7% | 60.2% | 17.2% | 14.6% | 81.3% |
| Transp., commu., util. | 43.6% | 27.3% | 89.0% | 46.3% | 67.8% | 32.7% | 32.2% | 76.6% |
| Wholesale trade | 31.4% | 19.4% | 86.6% | 35.7% | 62.0% | 16.2% | 14.8% | 66.6% |
| Retail Trade | 37.7% | 25.3% | 87.5% | 39.7% | 62.8% | 19.2% | 17.4% | 74.7% |
| Fin., ins., real est. | 49.7% | 30.1% | 91.8% | 49.1% | 73.7% | 39.5% | 38.2% | 69.8% |
| Services | 27.1% | 20.4% | 84.8% | 36.3% | 57.4% | 7.9% | 7.9% | 62.9% |
| Unknown | 31.2% | 33.1% | 66.9% | 66.9% | -- | -- | -- | -- |
| Ownership | ||||||||
| For profit, incorporated | 35.0% | 23.4% | 87.4% | 39.7% | 62.7% | 18.4% | 17.4% | 71.4% |
| For profit, unincorporated | 16.3% | 23.3% | 79.7% | 33.2% | 50.4% | 4.6% | 4.4% | 57.0% |
| Nonprofit | 30.6% | 19.8% | 85.5% | 39.4% | 56.3% | 14.4% | 14.9% | 56.8% |
| Unknown | 47.1% | 15.8% | 93.0% | 30.6% | 82.2% | 18.6% | 15.7% | 81.1% |
| Age of firm | ||||||||
| Less than 5 years | 20.5% | 17.7% | 87.1% | 39.5% | 51.1% | 5.1% | 5.3% | 64.5% |
| 5-9 years | 19.1% | 16.8% | 85.5% | 34.3% | 56.0% | 3.7% | 3.3% | 63.6% |
| 10-19 years | 21.5% | 19.4% | 84.0% | 34.1% | 55.5% | 5.9% | 5.3% | 67.2% |
| 20 or more years | 35.9% | 26.2% | 85.8% | 41.7% | 61.5% | 22.2% | 21.7% | 70.8% |
| Unknown | 57.7% | 26.9% | 91.6% | 39.6% | 77.8% | 32.5% | 29.6% | 68.4% |
| Multi/single status | ||||||||
| 2 or more locations | 52.8% | 27.1% | 91.5% | 44.2% | 73.8% | 31.8% | 29.4% | 79.1% |
| 1 location only | 18.1% | 19.7% | 82.7% | 34.7% | 51.8% | 5.2% | 5.6% | 60.5% |
| Percent full-time employees | ||||||||
| Less than 25% | 20.8% | 25.2% | 80.0% | 31.3% | 54.7% | 10.4% | 10.8% | 51.6% |
| 25-49 % | 34.2% | 28.6% | 84.7% | 43.2% | 57.0% | 18.0% | 15.5% | 69.0% |
| 50-74 % | 33.5% | 26.2% | 84.5% | 39.6% | 59.3% | 14.4% | 14.2% | 68.4% |
| 75% or more | 32.5% | 21.6% | 87.1% | 38.3% | 61.8% | 16.6% | 15.8% | 68.7% |
| Union presence | ||||||||
| No union employees | 28.2% | 21.3% | 85.6% | 36.8% | 59.2% | 12.7% | 12.3% | 69.6% |
| Has union employees | 68.1% | 36.2% | 92.5% | 54.4% | 76.0% | 47.2% | 43.0% | 73.0% |
| Unknown | 53.7% | 28.8% | 91.2% | 46.3% | 69.0% | 32.2% | 29.7% | 40.9% |
| Percent low wage employees ** | ||||||||
| 50% or more low wage | 28.3% | 25.0% | 82.1% | 41.4% | 51.5% | 11.6% | 11.1% | 62.4% |
| Less than 50% low wage | 26.9% | 20.5% | 85.8% | 37.4% | 58.7% | 12.5% | 12.3% | 69.1% |
| Unknown | 58.0% | 31.5% | 90.7% | 42.4% | 74.8% | 34.0% | 30.7% | 67.0% |
| Source: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends. 1998 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 | 0.55% | 0.33% | 0.24% | 0.82% | 0.45% | 0.50% | 0.59% | 0.39% |
| Firm size | ||||||||
| Less than 50 employees | 0.55% | 0.52% | 0.47% | 0.81% | 0.67% | 0.31% | 0.30% | 0.68% |
| 50+ employees | 1.12% | 0.80% | 0.28% | 1.41% | 0.69% | 1.07% | 1.23% | 0.48% |
| Less than 10 employees | 0.74% | 0.51% | 0.54% | 1.14% | 1.13% | 0.31% | 0.34% | 1.04% |
| 10-24 employees | 1.39% | 0.92% | 0.77% | 1.10% | 0.89% | 0.45% | 0.37% | 0.63% |
| 25-99 employees | 0.81% | 0.65% | 0.74% | 1.17% | 1.42% | 0.72% | 0.79% | 1.00% |
| 100-999 employees | 1.76% | 1.22% | 0.70% | 1.13% | 1.43% | 1.16% | 1.23% | 0.63% |
| 1000+ employees | 1.17% | 1.18% | 0.51% | 2.02% | 0.82% | 1.42% | 1.56% | 0.69% |
| Industry group ** | ||||||||
| Agric., fish., forest. | 2.87% | 1.99% | 1.82% | 2.99% | 2.81% | 1.97% | 1.92% | 4.43% |
| Mining | 7.17% | 6.24% | 5.67% | 5.52% | 8.33% | 3.76% | 3.22% | 7.28% |
| Construction | 1.86% | 1.37% | 1.32% | 2.65% | 2.36% | 0.59% | 0.72% | 2.82% |
| Manufacturing | 1.21% | 0.87% | 0.96% | 1.55% | 0.89% | 1.10% | 1.03% | 1.56% |
| Transp., commu., util. | 2.87% | 3.54% | 1.41% | 2.49% | 2.04% | 2.93% | 2.84% | 2.42% |
| Wholesale trade | 1.52% | 1.39% | 1.53% | 2.33% | 2.11% | 1.12% | 0.94% | 1.68% |
| Retail Trade | 1.53% | 0.74% | 0.56% | 1.09% | 0.97% | 0.63% | 0.62% | 0.81% |
| Fin., ins., real est. | 2.32% | 1.48% | 1.17% | 1.52% | 1.20% | 1.77% | 2.00% | 1.47% |
| Services | 0.63% | 0.36% | 0.66% | 0.92% | 0.68% | 0.43% | 0.55% | 0.87% |
| Unknown | 12.25% | 12.62% | 20.54% | 20.54% | -- | -- | -- | -- |
| Ownership | ||||||||
| For profit, incorporated | 0.78% | 0.56% | 0.35% | 0.86% | 0.60% | 0.60% | 0.62% | 0.60% |
| For profit, unincorporated | 0.80% | 0.78% | 0.64% | 1.23% | 1.27% | 0.40% | 0.27% | 1.36% |
| Nonprofit | 1.30% | 1.17% | 1.06% | 1.82% | 1.96% | 1.06% | 1.29% | 1.70% |
| Unknown | 2.70% | 2.00% | 1.54% | 2.76% | 2.02% | 3.18% | 3.18% | 2.07% |
| Age of firm | ||||||||
| Less than 5 years | 1.45% | 2.19% | 2.13% | 1.51% | 1.78% | 0.61% | 0.67% | 1.95% |
| 5-9 years | 1.77% | 1.26% | 1.08% | 1.65% | 1.65% | 0.46% | 0.50% | 1.51% |
| 10-19 years | 0.52% | 0.57% | 0.57% | 0.85% | 0.92% | 0.49% | 0.52% | 0.77% |
| 20 or more years | 0.81% | 0.82% | 0.50% | 1.31% | 0.50% | 1.00% | 1.05% | 0.57% |
| Unknown | 1.30% | 1.57% | 0.62% | 1.48% | 0.33% | 1.42% | 1.18% | 0.86% |
| Multi/single status | ||||||||
| 2 or more locations | 1.17% | 0.73% | 0.30% | 1.33% | 0.72% | 1.03% | 1.26% | 0.57% |
| 1 location only | 0.57% | 0.52% | 0.48% | 0.91% | 0.76% | 0.23% | 0.25% | 0.76% |
| Percent full-time employees | ||||||||
| Less than 25% | 3.17% | 2.18% | 2.40% | 2.65% | 2.66% | 2.47% | 3.16% | 4.23% |
| 25-49 % | 1.70% | 2.98% | 1.45% | 2.11% | 1.77% | 1.95% | 1.91% | 2.06% |
| 50-74 % | 1.75% | 1.43% | 1.42% | 1.84% | 1.82% | 1.23% | 1.16% | 1.20% |
| 75% or more | 0.51% | 0.39% | 0.30% | 0.79% | 0.52% | 0.50% | 0.65% | 0.54% |
| Union presence | ||||||||
| No union employees | 0.53% | 0.45% | 0.28% | 0.68% | 0.49% | 0.44% | 0.56% | 0.49% |
| Has union employees | 2.50% | 2.22% | 1.07% | 2.69% | 1.45% | 2.05% | 2.12% | 1.53% |
| Unknown | 2.42% | 1.97% | 1.47% | 2.85% | 1.24% | 2.53% | 2.08% | 3.63% |
| Percent low wage employees ** | ||||||||
| 50% or more low wage | 1.78% | 1.06% | 1.14% | 2.54% | 1.88% | 1.63% | 1.41% | 1.56% |
| Less than 50% low wage | 0.48% | 0.39% | 0.37% | 0.85% | 0.73% | 0.61% | 0.63% | 0.51% |
| Unknown | 1.19% | 0.90% | 0.72% | 1.75% | 0.76% | 1.47% | 1.51% | 0.93% |
| Source: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends. 1998 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. | ||||||||