| 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 | 30.5% | 13.8% | 89.7% | 34.6% | 68.5% | 12.5% | 12.7% | 74.6% |
| Firm size | ||||||||
| Less than 50 employees | 11.5% | 16.5% | 85.2% | 32.6% | 56.4% | 1.7% | 2.8% | 67.0% |
| 50+ employees | 56.8% | 10.1% | 96.0% | 37.4% | 85.2% | 27.5% | 26.5% | 85.1% |
| Less than 10 employees | 8.0% | 18.3% | 82.7% | 31.7% | 53.7% | 1.6% | 2.3% | 56.9% |
| 10-24 employees | 14.5% | 13.6% | 89.0% | 34.0% | 60.3% | 1.3% | 3.1% | 82.9% |
| 25-99 employees | 25.6% | 12.8% | 90.8% | 36.1% | 63.6% | 2.9% | 5.0% | 88.2% |
| 100-999 employees | 38.1% | 10.5% | 94.3% | 29.9% | 77.3% | 9.8% | 10.1% | 91.5% |
| 1000+ employees | 70.9% | 9.5% | 97.7% | 40.7% | 93.0% | 40.5% | 38.1% | 81.5% |
| Industry group ** | ||||||||
| Agric., fish., forest. | 6.1% * | 24.3% | 76.8% | 22.7% | 55.4% | 4.4% * | 5.5% * | 45.0% |
| Mining and manufacturing | 24.9% | 11.3% | 91.7% | 30.4% | 69.5% | 9.4% | 11.1% | 85.3% |
| Construction | 14.8% | 15.1% | 86.7% | 35.7% | 55.0% | 2.8% | 3.6% | 72.6% |
| Utilities and transp. | 38.8% | 15.0% | 93.6% | 29.8% | 77.0% | 29.7% | 29.5% | 77.5% |
| Wholesale trade | 25.8% | 9.8% | 92.5% | 32.0% | 69.4% | 10.6% | 11.3% | 72.7% |
| Fin. svs. and real estate | 43.5% | 12.1% | 91.4% | 36.5% | 76.9% | 29.2% | 27.0% | 74.9% |
| Retail trade | 40.1% | 13.6% | 91.4% | 36.0% | 74.3% | 15.8% | 17.7% | 84.1% |
| Professional services | 27.7% | 14.2% | 88.6% | 34.4% | 67.9% | 8.8% | 8.6% | 69.0% |
| Other services | 26.8% | 15.5% | 88.5% | 35.6% | 63.0% | 6.3% | 6.5% | 73.5% |
| Ownership | ||||||||
| For profit, incorporated | 33.2% | 13.8% | 90.1% | 34.6% | 70.1% | 13.9% | 14.5% | 76.8% |
| For profit, unincorporated | 20.2% | 15.0% | 87.5% | 33.1% | 63.1% | 8.7% | 6.7% | 68.4% |
| Nonprofit | 27.1% | 12.0% | 90.7% | 37.8% | 65.0% | 8.1% | 8.8% | 67.5% |
| Age of firm | ||||||||
| Less than 5 years | 13.8% | 15.0% | 86.6% | 35.0% | 56.2% | 1.0% * | 1.8% * | 65.3% |
| 5-9 years | 12.8% | 16.1% | 86.5% | 33.0% | 57.5% | 0.9% | 1.7% | 65.3% |
| 10-19 years | 14.1% | 13.9% | 88.1% | 32.6% | 59.9% | 2.7% | 2.7% | 70.9% |
| 20 or more years | 31.5% | 14.6% | 89.1% | 36.0% | 68.9% | 14.6% | 15.4% | 76.1% |
| Unknown | 68.9% | 8.8% | 98.0% | 33.2% | 91.8% | 31.2% | 28.9% | 84.4% |
| Multi/single status | ||||||||
| 2 or more locations | 55.3% | 10.2% | 95.8% | 36.9% | 84.9% | 27.1% | 26.2% | 84.6% |
| 1 location only | 12.4% | 16.5% | 85.3% | 32.9% | 56.5% | 1.8% | 2.8% | 67.2% |
| Percent full-time employees | ||||||||
| Less than 25% | 26.3% | 14.0% | 89.2% | 31.2% | 68.2% | 4.8% | 6.1% | 72.2% |
| 25-49 % | 31.0% | 12.3% | 90.7% | 34.3% | 67.7% | 6.6% | 9.6% | 72.9% |
| 50-74 % | 27.5% | 16.1% | 88.4% | 33.3% | 67.1% | 9.6% | 10.5% | 76.1% |
| 75% or more | 31.3% | 13.5% | 89.9% | 35.1% | 68.9% | 14.1% | 13.8% | 74.6% |
| Union presence | ||||||||
| No union employees | 24.7% | 13.8% | 89.0% | 32.9% | 66.0% | 7.7% | 8.2% | 74.5% |
| Has union employees | 61.9% | 12.3% | 93.9% | 46.4% | 81.0% | 41.0% | 40.8% | 72.6% |
| Unknown | 72.9% | 17.3% | 94.9% | 42.5% | 88.0% | 43.1% | 39.8% | 79.4% |
| Percent low wage employees | ||||||||
| 50% or more low wage | 31.1% | 15.9% | 88.7% | 32.4% | 69.4% | 9.9% | 11.2% | 76.8% |
| Less than 50% low wage | 30.3% | 13.2% | 90.0% | 35.3% | 68.2% | 13.3% | 13.2% | 74.0% |
| Source: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends. 2005 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 | 0.56% | 0.38% | 0.39% | 0.41% | 0.49% | 0.31% | 0.24% | 0.54% |
| Firm size | ||||||||
| Less than 50 employees | 0.61% | 0.56% | 0.56% | 0.48% | 0.57% | 0.26% | 0.22% | 0.74% |
| 50+ employees | 0.91% | 0.53% | 0.21% | 0.78% | 0.43% | 0.66% | 0.44% | 0.68% |
| Less than 10 employees | 0.69% | 0.71% | 0.76% | 0.73% | 0.79% | 0.27% | 0.25% | 0.87% |
| 10-24 employees | 1.10% | 0.69% | 0.51% | 1.18% | 1.59% | 0.37% | 0.59% | 0.91% |
| 25-99 employees | 1.67% | 1.76% | 1.23% | 1.48% | 1.46% | 0.56% | 0.76% | 0.80% |
| 100-999 employees | 1.20% | 0.76% | 0.43% | 1.50% | 0.93% | 0.62% | 0.48% | 1.11% |
| 1000+ employees | 0.87% | 0.63% | 0.15% | 0.79% | 0.25% | 1.19% | 0.84% | 0.95% |
| Industry group ** | ||||||||
| Agric., fish., forest. | 2.43% * | 4.53% | 4.38% | 4.15% | 2.79% | 2.44% * | 2.33% * | 2.71% |
| Mining and manufacturing | 1.73% | 1.30% | 0.94% | 1.85% | 2.11% | 1.29% | 1.31% | 1.64% |
| Construction | 1.17% | 1.38% | 1.20% | 1.66% | 1.49% | 0.60% | 0.86% | 1.08% |
| Utilities and transp. | 3.35% | 3.19% | 1.73% | 2.78% | 2.61% | 3.52% | 3.20% | 2.69% |
| Wholesale trade | 1.71% | 1.39% | 1.20% | 2.62% | 1.83% | 1.22% | 1.56% | 1.67% |
| Fin. svs. and real estate | 0.87% | 0.60% | 0.70% | 1.67% | 1.08% | 0.93% | 0.42% | 1.44% |
| Retail trade | 0.88% | 0.93% | 0.85% | 1.19% | 1.61% | 0.90% | 1.15% | 1.17% |
| Professional services | 0.84% | 0.71% | 0.59% | 0.56% | 0.73% | 0.49% | 0.41% | 0.91% |
| Other services | 1.12% | 1.30% | 0.98% | 1.03% | 0.70% | 0.61% | 0.69% | 1.17% |
| Ownership | ||||||||
| For profit, incorporated | 0.58% | 0.53% | 0.45% | 0.59% | 0.66% | 0.30% | 0.29% | 0.66% |
| For profit, unincorporated | 0.73% | 1.05% | 1.13% | 1.64% | 1.42% | 0.54% | 0.58% | 1.32% |
| Nonprofit | 1.13% | 0.95% | 0.80% | 1.74% | 1.53% | 0.82% | 0.98% | 1.86% |
| Age of firm | ||||||||
| Less than 5 years | 1.44% | 2.03% | 1.82% | 2.28% | 2.02% | 0.31% * | 0.56% * | 3.02% |
| 5-9 years | 1.24% | 0.95% | 1.02% | 1.18% | 1.29% | 0.27% | 0.29% | 1.20% |
| 10-19 years | 0.85% | 0.94% | 0.77% | 0.69% | 1.51% | 0.53% | 0.59% | 0.67% |
| 20 or more years | 0.86% | 0.82% | 0.72% | 0.83% | 0.61% | 0.56% | 0.44% | 0.53% |
| Unknown | 1.16% | 0.88% | 0.25% | 1.48% | 0.43% | 1.13% | 1.02% | 1.33% |
| Multi/single status | ||||||||
| 2 or more locations | 0.84% | 0.50% | 0.18% | 0.85% | 0.47% | 0.71% | 0.46% | 0.64% |
| 1 location only | 0.60% | 0.60% | 0.60% | 0.54% | 0.57% | 0.19% | 0.18% | 0.72% |
| Percent full-time employees | ||||||||
| Less than 25% | 3.06% | 1.79% | 1.57% | 2.56% | 2.16% | 1.22% | 1.23% | 2.69% |
| 25-49 % | 2.03% | 2.00% | 1.54% | 1.60% | 2.25% | 0.59% | 0.74% | 1.93% |
| 50-74 % | 1.70% | 1.01% | 1.11% | 1.85% | 0.79% | 1.00% | 1.17% | 0.86% |
| 75% or more | 0.51% | 0.49% | 0.55% | 0.54% | 0.48% | 0.29% | 0.33% | 0.57% |
| Union presence | ||||||||
| No union employees | 0.56% | 0.39% | 0.42% | 0.49% | 0.57% | 0.26% | 0.25% | 0.56% |
| Has union employees | 1.63% | 1.27% | 0.46% | 1.09% | 1.20% | 1.95% | 2.29% | 1.54% |
| Unknown | 2.10% | 1.71% | 0.88% | 1.97% | 1.31% | 3.34% | 3.16% | 2.42% |
| Percent low wage employees | ||||||||
| 50% or more low wage | 1.45% | 0.82% | 0.77% | 1.08% | 1.23% | 0.53% | 0.62% | 1.07% |
| Less than 50% low wage | 0.36% | 0.33% | 0.40% | 0.35% | 0.40% | 0.29% | 0.17% | 0.54% |
| Source: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends. 2005 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. | ||||||||