Table I.F.3(2004) Average family deductible (in dollars) per employee enrolled with family coverage in a health insurance plan that had a deductible at private-sector establishments by firm size and selected characteristics: United States, 2004
 
Characteristics

Total

  

Less than 10 employees

  

10-24 employees

  

25-99 employees

  

100-999 employees

  

1000 or more employees

  

Less than 50 employees

  

50 or more employees

  
 
United States

1,143

1,788

1,822

1,640

1,186

885

1,771

1,004
 
Industry group **
Agric., fish., forest.

1,061

.

.

.

.

.

2,459

713
Mining and manufacturing

1,029

.

.

.

.

.

1,924

931
Construction

1,613

.

.

.

.

.

1,769

1,438
Utilities and transp.

1,012

.

.

.

.

.

1,514

942
Wholesale trade

1,270

.

.

.

.

.

1,843

1,067
Fin. svs. and real estate

1,047

.

.

.

.

.

1,456

996
Retail trade

1,264

.

.

.

.

.

1,936

1,143
Professional services

1,167

.

.

.

.

.

1,801

1,008
Other services

1,073

.

.

.

.

.

1,637

919
 
Ownership
For profit, incorporated

1,151

.

.

.

.

.

1,827

1,001
For profit, unincorporated

1,171

.

.

.

.

.

1,562

1,044
Nonprofit

1,059

.

.

.

.

.

1,576

990
 
Age of firm
Less than 5 years

1,660

.

.

.

.

.

1,671

1,641
5-9 years

1,433

.

.

.

.

.

1,872

1,080
10-19 years

1,363

.

.

.

.

.

1,734

1,054
20 or more years

1,194

.

.

.

.

.

1,789

1,065
Unknown

857

.

.

.

.

.

1,094

 *

856
 
Multi/single status
2 or more locations

971

.

.

.

.

.

1,501

953
1 location only

1,617

.

.

.

.

.

1,813

1,336
 
Percent full-time employees
Less than 25%

1,263

.

.

.

.

.

1,885

1,137
25-49 %

1,233

.

.

.

.

.

1,839

1,118
50-74 %

1,092

.

.

.

.

.

1,839

932
75% or more

1,143

.

.

.

.

.

1,760

1,005
 
Union presence
No union employees

1,258

.

.

.

.

.

1,834

1,075
Has union employees

874

.

.

.

.

.

1,179

846
Unknown

958

.

.

.

.

.

1,674

 *

948
 
Percent low wage employees **
50% or more low wage

1,156

.

.

.

.

.

1,887

1,051
Less than 50% low wage

1,140

.

.

.

.

.

1,756

994
 
Source: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends. 2004 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.
. 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.

 

Table I.F.3(2004) Standard error for average family deductible (in dollars) per employee enrolled with family coverage in a health insurance plan that had a deductible at private-sector establishments by firm size and selected characteristics: United States, 2004
 
Characteristics

Total

  

Less than 10 employees

  

10-24 employees

  

25-99 employees

  

100-999 employees

  

1000 or more employees

  

Less than 50 employees

  

50 or more employees

  
 
United States

21.60

78.04

104.05

54.97

45.20

20.46

48.13

21.29
 
Industry group **
Agric., fish., forest.

269.71

.

.

.

.

.

219.27

133.37
Mining and manufacturing

34.24

.

.

.

.

.

100.49

31.34
Construction

87.60

.

.

.

.

.

79.88

141.49
Utilities and transp.

70.60

.

.

.

.

.

167.02

81.32
Wholesale trade

63.20

.

.

.

.

.

125.97

44.28
Fin. svs. and real estate

50.63

.

.

.

.

.

178.32

51.11
Retail trade

71.20

.

.

.

.

.

170.02

67.64
Professional services

22.11

.

.

.

.

.

67.70

23.32
Other services

39.33

.

.

.

.

.

94.88

50.86
 
Ownership
For profit, incorporated

19.65

.

.

.

.

.

44.27

17.95
For profit, unincorporated

82.41

.

.

.

.

.

109.53

84.23
Nonprofit

78.59

.

.

.

.

.

127.69

75.36
 
Age of firm
Less than 5 years

111.94

.

.

.

.

.

194.76

233.98
5-9 years

85.74

.

.

.

.

.

143.44

82.22
10-19 years

73.01

.

.

.

.

.

152.97

62.09
20 or more years

26.11

.

.

.

.

.

54.10

27.69
Unknown

27.50

.

.

.

.

.

587.68

 *

27.52
 
Multi/single status
2 or more locations

24.35

.

.

.

.

.

83.44

24.42
1 location only

43.14

.

.

.

.

.

46.13

80.20
 
Percent full-time employees
Less than 25%

102.36

.

.

.

.

.

182.60

106.28
25-49 %

76.90

.

.

.

.

.

164.29

63.93
50-74 %

63.65

.

.

.

.

.

98.29

56.71
75% or more

24.59

.

.

.

.

.

51.10

22.34
 
Union presence
No union employees

18.39

.

.

.

.

.

54.46

20.42
Has union employees

43.37

.

.

.

.

.

137.78

50.53
Unknown

42.19

.

.

.

.

.

568.36

 *

41.21
 
Percent low wage employees **
50% or more low wage

46.24

.

.

.

.

.

175.51

41.31
Less than 50% low wage

27.40

.

.

.

.

.

45.03

24.19
 
Source: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends. 2004 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.
. 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.