| 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 | 32.6% | 13.8% | 91.0% | 38.4% | 67.4% | 13.0% | 13.3% | 74.8% |
| Firm size | ||||||||
| Less than 50 employees | 13.5% | 14.7% | 87.0% | 36.6% | 54.8% | 1.7% | 2.9% | 67.0% |
| 50+ employees | 58.7% | 12.6% | 96.4% | 40.9% | 84.8% | 28.5% | 27.7% | 85.6% |
| Less than 10 employees | 10.5% | 16.4% | 85.1% | 35.9% | 52.3% | 1.3% | 2.3% | 57.5% |
| 10-24 employees | 16.8% | 13.0% | 88.9% | 37.8% | 56.6% | 2.4% | 3.7% | 83.7% |
| 25-99 employees | 26.4% | 9.8% | 93.5% | 36.8% | 66.0% | 3.0% | 4.9% | 86.6% |
| 100-999 employees | 40.3% | 8.3% | 95.8% | 36.6% | 76.9% | 10.6% | 9.9% | 90.6% |
| 1000+ employees | 73.5% | 14.8% | 97.3% | 44.0% | 92.3% | 42.3% | 40.9% | 82.3% |
| Industry group ** | ||||||||
| Agric., fish., forest. | 8.0% | 24.2% | 78.8% | 24.0% | 56.6% | 1.5% * | 4.3% * | 49.9% |
| Mining and manufacturing | 28.3% | 11.1% | 92.3% | 39.3% | 64.7% | 11.2% | 11.8% | 83.7% |
| Construction | 20.2% | 15.3% | 88.6% | 38.2% | 56.2% | 2.4% | 3.5% | 73.5% |
| Utilities and transp. | 37.3% | 21.0% | 90.6% | 35.4% | 71.0% | 26.5% | 26.1% | 75.2% |
| Wholesale trade | 27.8% | 12.9% | 91.2% | 36.2% | 66.1% | 14.9% | 15.0% | 75.3% |
| Fin. svs. and real estate | 43.8% | 9.8% | 94.3% | 35.9% | 79.3% | 27.7% | 24.4% | 75.8% |
| Retail trade | 40.9% | 14.3% | 91.7% | 38.7% | 73.1% | 17.1% | 19.9% | 84.4% |
| Professional services | 29.7% | 13.6% | 89.6% | 38.3% | 65.8% | 9.8% | 9.6% | 70.0% |
| Other services | 30.1% | 15.0% | 91.0% | 41.8% | 62.6% | 6.6% | 7.6% | 71.3% |
| Ownership | ||||||||
| For profit, incorporated | 34.4% | 14.0% | 91.0% | 38.8% | 68.8% | 14.2% | 14.7% | 77.8% |
| For profit, unincorporated | 26.5% | 14.0% | 89.2% | 34.2% | 64.0% | 8.2% | 6.3% | 69.3% |
| Nonprofit | 28.2% | 9.6% | 93.1% | 43.9% | 61.7% | 8.9% | 11.0% | 70.0% |
| Unknown | 27.8% | 16.0% | 91.3% | 36.6% | 65.3% | 13.6% | 14.5% | 53.1% |
| Age of firm | ||||||||
| Less than 5 years | 16.7% | 15.5% | 86.6% | 35.4% | 56.1% | 0.9% * | 0.9% * | 67.5% |
| 5-9 years | 17.1% | 12.6% | 89.5% | 36.2% | 59.9% | 1.5% | 1.6% | 68.4% |
| 10-19 years | 17.4% | 12.8% | 89.3% | 37.4% | 57.1% | 1.9% | 1.8% | 71.2% |
| 20 or more years | 35.2% | 14.6% | 91.0% | 40.4% | 68.3% | 15.3% | 16.7% | 77.1% |
| Unknown | 67.4% | 12.5% | 96.8% | 36.3% | 92.5% | 37.2% | 35.0% | 81.3% |
| Multi/single status | ||||||||
| 2 or more locations | 56.7% | 12.7% | 95.9% | 39.9% | 84.4% | 27.9% | 27.2% | 85.1% |
| 1 location only | 14.6% | 14.6% | 87.3% | 37.3% | 54.9% | 1.9% | 3.0% | 67.2% |
| Percent full-time employees | ||||||||
| Less than 25% | 29.7% | 17.6% | 87.5% | 34.6% | 63.3% | 8.7% * | 9.5% | 70.2% |
| 25-49 % | 38.5% | 14.6% | 91.9% | 37.6% | 69.1% | 12.8% | 13.8% | 79.3% |
| 50-74 % | 30.8% | 15.9% | 90.3% | 41.7% | 64.5% | 11.8% | 13.5% | 73.5% |
| 75% or more | 32.5% | 13.0% | 91.2% | 38.1% | 68.1% | 13.5% | 13.5% | 74.9% |
| Union presence | ||||||||
| No union employees | 26.1% | 13.2% | 90.4% | 36.5% | 64.8% | 7.4% | 7.7% | 74.8% |
| Has union employees | 69.0% | 15.1% | 94.1% | 54.6% | 80.8% | 42.7% | 43.3% | 72.8% |
| Unknown | 76.4% | 19.6% | 95.1% | 44.8% | 86.8% | 52.6% | 53.8% | 77.2% |
| Percent low wage employees | ||||||||
| 50% or more low wage | 25.1% | 14.5% | 89.8% | 35.7% | 63.2% | 5.3% | 7.6% | 75.6% |
| Less than 50% low wage | 25.0% | 13.0% | 90.0% | 37.6% | 63.3% | 7.5% | 8.0% | 73.5% |
| Unknown | 66.4% | 15.9% | 95.5% | 44.0% | 86.3% | 39.9% | 37.8% | 78.7% |
| Source: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends. 2003 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 | 0.77% | 0.51% | 0.32% | 0.49% | 0.59% | 0.81% | 0.71% | 0.40% |
| Firm size | ||||||||
| Less than 50 employees | 0.66% | 0.57% | 0.50% | 0.70% | 0.38% | 0.19% | 0.28% | 0.54% |
| 50+ employees | 1.10% | 1.02% | 0.51% | 1.13% | 0.78% | 1.43% | 1.45% | 0.78% |
| Less than 10 employees | 0.55% | 0.52% | 0.50% | 0.77% | 0.61% | 0.21% | 0.40% | 0.89% |
| 10-24 employees | 1.57% | 1.06% | 0.86% | 1.22% | 1.36% | 0.60% | 0.46% | 0.98% |
| 25-99 employees | 0.93% | 0.98% | 0.63% | 1.43% | 1.51% | 0.68% | 0.69% | 0.76% |
| 100-999 employees | 1.58% | 0.58% | 0.40% | 2.14% | 1.42% | 1.10% | 0.95% | 0.86% |
| 1000+ employees | 1.76% | 1.38% | 0.72% | 1.84% | 1.04% | 2.41% | 2.25% | 1.30% |
| Industry group ** | ||||||||
| Agric., fish., forest. | 1.99% | 3.13% | 2.34% | 3.30% | 4.35% | 0.79% * | 1.94% * | 4.42% |
| Mining and manufacturing | 1.42% | 1.23% | 1.00% | 1.85% | 0.97% | 1.53% | 1.12% | 1.25% |
| Construction | 1.91% | 0.97% | 1.02% | 1.48% | 1.37% | 0.54% | 1.00% | 2.12% |
| Utilities and transp. | 5.48% | 4.11% | 1.73% | 5.74% | 2.55% | 4.37% | 4.07% | 2.54% |
| Wholesale trade | 1.93% | 1.38% | 1.05% | 2.09% | 2.09% | 2.15% | 2.19% | 1.65% |
| Fin. svs. and real estate | 2.74% | 0.75% | 0.44% | 1.64% | 1.22% | 1.66% | 1.48% | 2.05% |
| Retail trade | 1.61% | 1.39% | 0.79% | 2.16% | 1.00% | 2.06% | 2.35% | 1.05% |
| Professional services | 1.44% | 0.79% | 0.81% | 1.43% | 1.04% | 1.42% | 1.16% | 1.79% |
| Other services | 2.08% | 0.81% | 0.95% | 1.56% | 1.39% | 1.11% | 0.87% | 1.14% |
| Ownership | ||||||||
| For profit, incorporated | 0.95% | 0.61% | 0.47% | 0.69% | 0.61% | 1.22% | 1.10% | 0.45% |
| For profit, unincorporated | 2.56% | 1.32% | 0.78% | 1.86% | 1.79% | 2.16% | 1.37% | 1.24% |
| Nonprofit | 1.18% | 1.16% | 1.04% | 2.98% | 1.99% | 1.47% | 1.58% | 1.26% |
| Unknown | 3.07% | 2.21% | 1.19% | 3.31% | 3.05% | 2.99% | 3.20% | 2.43% |
| Age of firm | ||||||||
| Less than 5 years | 1.69% | 2.12% | 1.80% | 2.13% | 2.38% | 0.34% * | 0.32% * | 1.48% |
| 5-9 years | 1.22% | 0.82% | 0.82% | 1.28% | 0.95% | 0.42% | 0.41% | 1.33% |
| 10-19 years | 0.88% | 0.78% | 0.61% | 1.41% | 1.21% | 0.35% | 0.24% | 0.87% |
| 20 or more years | 0.96% | 0.57% | 0.50% | 0.98% | 0.92% | 1.18% | 1.27% | 0.53% |
| Unknown | 2.31% | 1.50% | 0.84% | 1.96% | 1.18% | 3.04% | 3.16% | 1.80% |
| Multi/single status | ||||||||
| 2 or more locations | 1.33% | 0.97% | 0.40% | 1.03% | 0.58% | 1.50% | 1.43% | 0.76% |
| 1 location only | 0.73% | 0.46% | 0.45% | 0.78% | 0.51% | 0.16% | 0.27% | 0.50% |
| Percent full-time employees | ||||||||
| Less than 25% | 2.84% | 2.16% | 2.37% | 3.35% | 3.39% | 2.63% * | 2.24% | 1.77% |
| 25-49 % | 1.29% | 0.56% | 0.94% | 2.42% | 1.70% | 1.95% | 1.77% | 1.48% |
| 50-74 % | 2.69% | 1.03% | 0.76% | 1.38% | 1.44% | 1.71% | 1.77% | 1.37% |
| 75% or more | 0.82% | 0.55% | 0.27% | 0.48% | 0.61% | 0.81% | 0.66% | 0.61% |
| Union presence | ||||||||
| No union employees | 0.84% | 0.43% | 0.29% | 0.38% | 0.62% | 0.60% | 0.44% | 0.39% |
| Has union employees | 1.96% | 2.23% | 1.05% | 2.60% | 2.12% | 2.91% | 4.03% | 1.91% |
| Unknown | 1.61% | 4.27% | 1.80% | 3.28% | 3.19% | 3.77% | 3.16% | 3.04% |
| Percent low wage employees | ||||||||
| 50% or more low wage | 1.57% | 0.84% | 0.58% | 1.20% | 1.61% | 0.69% | 1.32% | 1.26% |
| Less than 50% low wage | 0.77% | 0.44% | 0.39% | 0.57% | 0.51% | 0.64% | 0.58% | 0.58% |
| Unknown | 1.76% | 1.96% | 0.93% | 1.74% | 1.60% | 2.55% | 2.25% | 1.44% |
| Source: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends. 2003 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. | ||||||||