Table I.F.2

Table I.F.2(2005) Average individual deductible (in dollars) per employee enrolled with single coverage in a health insurance plan that had a deductible at private-sector establishments by firm size and selected characteristics: United States, 2005

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	652	959	939	867	650	493	929		566

Industry group **
Agric., fish., forest.	764	.	.	.	.	.	977		374
Mining and manufacturing	616	.	.	.	.	.	932		560
Construction	844	.	.	.	.	.	1,009		654
Utilities and transp.	547	.	.	.	.	.	1,152		461
Wholesale trade	720	.	.	.	.	.	1,025		550
Fin. svs. and real estate	605	.	.	.	.	.	937		550
Retail trade	678	.	.	.	.	.	930		613
Professional services	649	.	.	.	.	.	890		565
Other services	642	.	.	.	.	.	846		577

Ownership
For profit, incorporated	644	.	.	.	.	.	937		552
For profit, unincorporated	745	.	.	.	.	.	1,002		632
Nonprofit	612	.	.	.	.	.	734		589

Age of firm
Less than 5 years	818	.	.	.	.	.	973		527
5-9 years	762	.	.	.	.	.	922		580
10-19 years	786	.	.	.	.	.	894		689
20 or more years	679	.	.	.	.	.	941		594
Unknown	488	.	.	.	.	.	440	*	488

Multi/single status
2 or more locations	547	.	.	.	.	.	964		534
1 location only	844	.	.	.	.	.	926		712

Percent full-time employees
Less than 25%	773	.	.	.	.	.	953		709
25-49 %	613	.	.	.	.	.	890		559
50-74 %	653	.	.	.	.	.	883		593
75% or more	651	.	.	.	.	.	935		559

Union presence
No union employees	701	.	.	.	.	.	935		600
Has union employees	514	.	.	.	.	.	758		498
Unknown	495	.	.	.	.	.	991		480

Percent low wage employees **
50% or more low wage	667	.	.	.	.	.	931		602
Less than 50% low wage	649	.	.	.	.	.	928		557

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.
. 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.2(2005) Standard error for average individual deductible (in dollars) per employee enrolled with single coverage in a health insurance plan that had a deductible at private-sector establishments by firm size and selected characteristics: United States, 2005

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	10.73	32.35	19.74	41.92	23.85	11.97	20.31		9.85

Industry group **
Agric., fish., forest.	114.18	.	.	.	.	.	191.54		94.80
Mining and manufacturing	11.69	.	.	.	.	.	53.58		18.43
Construction	48.63	.	.	.	.	.	51.74		60.33
Utilities and transp.	40.51	.	.	.	.	.	88.24		40.35
Wholesale trade	40.76	.	.	.	.	.	61.48		33.33
Fin. svs. and real estate	14.56	.	.	.	.	.	39.59		20.53
Retail trade	24.48	.	.	.	.	.	57.45		22.46
Professional services	17.38	.	.	.	.	.	31.51		22.03
Other services	29.74	.	.	.	.	.	44.96		37.90

Ownership
For profit, incorporated	10.20	.	.	.	.	.	22.16		12.30
For profit, unincorporated	47.46	.	.	.	.	.	68.60		59.29
Nonprofit	31.42	.	.	.	.	.	48.75		36.55

Age of firm
Less than 5 years	38.77	.	.	.	.	.	41.02		56.40
5-9 years	38.95	.	.	.	.	.	68.85		57.57
10-19 years	41.07	.	.	.	.	.	50.05		68.57
20 or more years	15.49	.	.	.	.	.	21.03		18.22
Unknown	12.10	.	.	.	.	.	137.51	*	12.09

Multi/single status
2 or more locations	9.73	.	.	.	.	.	74.79		8.80
1 location only	18.67	.	.	.	.	.	18.67		37.67

Percent full-time employees
Less than 25%	58.67	.	.	.	.	.	109.99		102.97
25-49 %	25.60	.	.	.	.	.	64.19		32.84
50-74 %	31.77	.	.	.	.	.	58.94		41.70
75% or more	11.66	.	.	.	.	.	20.48		9.52

Union presence
No union employees	16.99	.	.	.	.	.	21.53		18.22
Has union employees	19.59	.	.	.	.	.	113.40		25.37
Unknown	32.40	.	.	.	.	.	234.37		23.37

Percent low wage employees **
50% or more low wage	36.36	.	.	.	.	.	44.57		39.57
Less than 50% low wage	11.39	.	.	.	.	.	21.31		8.58

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.
. 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.