| 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 | 30.3% | 14.5% | 90.5% | 38.3% | 66.1% | 12.5% | 12.7% | 73.9% |
| Firm size | ||||||||
| Less than 50 employees | 11.6% | 14.6% | 86.7% | 35.8% | 54.3% | 1.2% | 2.1% | 65.8% |
| 50+ employees | 57.3% | 14.5% | 96.1% | 41.8% | 83.0% | 28.9% | 28.1% | 85.6% |
| Less than 10 employees | 8.8% | 16.3% | 84.8% | 35.5% | 51.7% | 1.0% | 1.7% | 55.8% |
| 10-24 employees | 14.5% | 12.2% | 89.2% | 35.5% | 58.2% | 1.4% | 2.7% | 81.8% |
| 25-99 employees | 23.6% | 10.7% | 92.1% | 37.8% | 62.8% | 2.5% | 4.4% | 87.6% |
| 100-999 employees | 39.2% | 10.1% | 95.1% | 35.2% | 76.8% | 8.9% | 9.2% | 90.3% |
| 1000+ employees | 71.9% | 17.1% | 97.3% | 45.8% | 89.5% | 43.2% | 41.1% | 82.9% |
| Industry group ** | ||||||||
| Agric., fish., forest. | 9.3% | 24.1% | 76.5% | 26.1% | 53.3% | 2.6% * | 3.8% * | 46.9% |
| Mining and manufacturing | 25.0% | 11.1% | 91.7% | 37.4% | 64.5% | 10.2% | 12.0% | 85.0% |
| Construction | 13.9% | 11.3% | 89.6% | 36.8% | 56.8% | 1.8% | 1.7% | 71.2% |
| Utilities and transp. | 32.4% | 16.4% | 90.2% | 38.9% | 66.8% | 23.6% | 26.0% | 72.3% |
| Wholesale trade | 23.7% | 12.1% | 91.5% | 37.1% | 66.2% | 10.7% | 10.8% | 75.0% |
| Fin. svs. and real est. | 44.7% | 13.2% | 93.5% | 37.9% | 78.0% | 29.5% | 27.0% | 73.0% |
| Retail trade | 35.3% | 14.7% | 90.7% | 38.0% | 68.4% | 13.3% | 13.5% | 85.2% |
| Professional services | 28.1% | 15.9% | 88.7% | 39.6% | 64.3% | 9.0% | 9.4% | 68.9% |
| Other Services | 30.6% | 15.9% | 91.3% | 39.5% | 63.0% | 9.2% | 10.2% | 70.0% |
| Ownership | ||||||||
| For profit, incorporated | 32.5% | 14.7% | 91.0% | 38.9% | 67.5% | 14.3% | 14.5% | 76.5% |
| For profit, unincorporated | 13.3% | 16.2% | 85.1% | 34.4% | 53.9% | 4.1% | 3.0% | 64.4% |
| Nonprofit | 26.7% | 12.4% | 91.4% | 39.5% | 62.8% | 7.9% | 10.0% | 62.0% |
| Unknown | 60.7% | 11.8% | 98.6% | 34.1% | 92.6% | 19.0% | 19.6% | 89.9% |
| Age of firm | ||||||||
| Less than 5 years | 12.6% | 13.5% | 88.0% | 37.3% | 54.2% | 0.6% * | 0.5% | 63.4% |
| 5-9 years | 14.6% | 12.2% | 88.9% | 36.5% | 57.6% | 1.0% * | 1.2% | 64.7% |
| 10-19 years | 17.3% | 13.5% | 88.2% | 35.8% | 57.6% | 1.1% | 1.1% | 71.8% |
| 20 or more years | 32.0% | 15.4% | 90.5% | 39.5% | 66.8% | 16.6% | 17.3% | 76.7% |
| Unknown | 67.5% | 15.2% | 97.1% | 39.7% | 90.4% | 31.0% | 29.8% | 79.7% |
| Multi/single status | ||||||||
| 2 or more locations | 55.4% | 14.6% | 95.7% | 40.5% | 82.8% | 28.4% | 27.6% | 85.9% |
| 1 location only | 12.9% | 14.5% | 87.0% | 36.7% | 54.4% | 1.5% | 2.4% | 65.5% |
| Percent full-time employees | ||||||||
| Less than 25% | 30.5% | 18.2% | 85.5% | 29.6% | 64.5% | 9.6% | 9.8% | 66.1% |
| 25-49 % | 34.1% | 14.1% | 93.1% | 36.8% | 69.4% | 11.6% | 12.2% | 76.4% |
| 50-74 % | 26.6% | 17.9% | 87.6% | 39.4% | 60.9% | 8.0% | 8.5% | 73.5% |
| 75% or more | 30.7% | 13.7% | 91.2% | 38.7% | 66.9% | 13.7% | 13.8% | 74.2% |
| Union presence | ||||||||
| No union employees | 25.7% | 13.6% | 90.1% | 37.0% | 63.8% | 8.4% | 8.5% | 73.1% |
| Has union employees | 67.2% | 21.4% | 94.8% | 56.1% | 84.5% | 44.1% | 45.0% | 81.1% |
| Unknown | 60.9% | 21.0% | 91.3% | 32.2% | 79.7% | 42.0% | 41.6% | 77.9% |
| Percent low wage employees ** | ||||||||
| 50% or more low wage | 20.5% | 14.7% | 88.4% | 36.1% | 59.2% | 5.1% | 5.9% | 73.0% |
| Less than 50% low wage | 22.6% | 13.7% | 89.7% | 37.6% | 61.9% | 7.2% | 8.0% | 72.6% |
| Unknown | 65.5% | 17.1% | 95.5% | 42.6% | 86.8% | 37.5% | 35.2% | 78.9% |
| Source: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends. 2002 Medical Expenditure Panel Survey-Insurance Component. | ||||||||
| Note: Definitions and descriptions of the methods used for this survey can be found in the Technical Appendix. | ||||||||
| * Figure does not meet standard of reliability or precision. | ||||||||
| ** 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 | 0.51% | 0.30% | 0.25% | 0.68% | 0.36% | 0.33% | 0.40% | 0.56% |
| Firm size | ||||||||
| Less than 50 employees | 0.39% | 0.39% | 0.36% | 0.63% | 0.62% | 0.11% | 0.16% | 0.76% |
| 50+ employees | 0.94% | 0.53% | 0.30% | 0.92% | 0.45% | 0.49% | 0.77% | 0.63% |
| Less than 10 employees | 0.57% | 0.75% | 0.71% | 0.92% | 0.97% | 0.16% | 0.22% | 1.10% |
| 10-24 employees | 0.87% | 0.86% | 0.71% | 1.15% | 1.29% | 0.29% | 0.53% | 1.07% |
| 25-99 employees | 0.74% | 0.91% | 0.83% | 1.19% | 1.15% | 0.24% | 0.42% | 0.89% |
| 100-999 employees | 0.77% | 0.86% | 0.77% | 0.81% | 1.15% | 0.64% | 1.09% | 0.80% |
| 1000+ employees | 1.47% | 0.66% | 0.35% | 1.42% | 0.82% | 0.84% | 1.16% | 0.82% |
| Industry group ** | ||||||||
| Agric., fish., forest. | 2.34% | 4.38% | 4.29% | 4.53% | 4.38% | 1.39% * | 1.46% * | 3.85% |
| Mining and manufacturing | 1.12% | 0.81% | 0.97% | 1.63% | 1.52% | 0.92% | 1.08% | 1.52% |
| Construction | 0.98% | 0.72% | 0.66% | 1.49% | 1.07% | 0.32% | 0.24% | 1.76% |
| Utilities and transp. | 1.84% | 2.31% | 2.09% | 3.62% | 2.34% | 1.78% | 1.70% | 2.76% |
| Wholesale trade | 1.34% | 1.55% | 1.10% | 1.84% | 1.81% | 1.27% | 1.14% | 1.53% |
| Fin. svs. and real est. | 1.68% | 1.24% | 0.80% | 1.85% | 1.48% | 1.71% | 2.39% | 1.15% |
| Retail trade | 1.69% | 0.75% | 0.76% | 1.19% | 1.05% | 0.89% | 0.75% | 1.11% |
| Professional services | 1.23% | 0.66% | 0.32% | 1.45% | 1.10% | 0.92% | 0.88% | 1.17% |
| Other Services | 1.84% | 0.87% | 0.57% | 1.60% | 1.14% | 1.18% | 1.17% | 1.01% |
| Ownership | ||||||||
| For profit, incorporated | 0.62% | 0.35% | 0.28% | 0.74% | 0.34% | 0.49% | 0.48% | 0.61% |
| For profit, unincorporated | 0.83% | 1.38% | 1.49% | 0.86% | 1.20% | 0.36% | 0.56% | 1.74% |
| Nonprofit | 0.92% | 0.81% | 0.94% | 1.14% | 1.37% | 0.74% | 1.20% | 1.71% |
| Unknown | 3.36% | 1.08% | 0.46% | 3.65% | 1.40% | 4.08% | 3.92% | 0.80% |
| Age of firm | ||||||||
| Less than 5 years | 1.01% | 1.68% | 1.71% | 2.31% | 1.45% | 0.30% * | 0.16% | 1.67% |
| 5-9 years | 1.22% | 1.14% | 0.89% | 1.20% | 1.28% | 0.36% * | 0.29% | 2.02% |
| 10-19 years | 0.64% | 1.04% | 0.80% | 0.99% | 1.22% | 0.14% | 0.21% | 0.95% |
| 20 or more years | 0.70% | 0.54% | 0.33% | 1.04% | 0.56% | 0.52% | 0.51% | 0.47% |
| Unknown | 1.59% | 0.61% | 0.49% | 1.97% | 1.43% | 1.07% | 1.22% | 1.30% |
| Multi/single status | ||||||||
| 2 or more locations | 0.94% | 0.52% | 0.28% | 1.06% | 0.60% | 0.46% | 0.74% | 0.53% |
| 1 location only | 0.46% | 0.45% | 0.43% | 0.57% | 0.63% | 0.15% | 0.19% | 0.81% |
| Percent full-time employees | ||||||||
| Less than 25% | 1.55% | 1.44% | 1.61% | 2.33% | 1.93% | 1.87% | 1.86% | 2.04% |
| 25-49 % | 2.31% | 0.93% | 0.72% | 1.69% | 1.56% | 1.00% | 1.06% | 1.52% |
| 50-74 % | 1.85% | 1.22% | 0.92% | 1.29% | 0.96% | 0.65% | 0.64% | 0.91% |
| 75% or more | 0.72% | 0.40% | 0.30% | 0.74% | 0.38% | 0.59% | 0.58% | 0.77% |
| Union presence | ||||||||
| No union employees | 0.45% | 0.27% | 0.31% | 0.57% | 0.45% | 0.17% | 0.31% | 0.56% |
| Has union employees | 2.11% | 2.82% | 1.04% | 3.30% | 1.23% | 2.01% | 1.92% | 0.66% |
| Unknown | 2.70% | 2.36% | 1.60% | 2.48% | 1.58% | 2.28% | 1.99% | 1.99% |
| Percent low wage employees ** | ||||||||
| 50% or more low wage | 1.43% | 0.74% | 0.75% | 1.23% | 1.53% | 0.50% | 0.47% | 0.71% |
| Less than 50% low wage | 0.69% | 0.31% | 0.28% | 0.79% | 0.55% | 0.49% | 0.48% | 0.72% |
| Unknown | 1.29% | 0.91% | 0.39% | 1.58% | 1.17% | 1.06% | 1.13% | 1.48% |
| Source: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends. 2002 Medical Expenditure Panel Survey-Insurance Component. | ||||||||
| Note: Definitions and descriptions of the methods used for this survey can be found in the Technical Appendix. | ||||||||
| * Figure does not meet standard of reliability or precision. | ||||||||
| ** 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. | ||||||||