Table I.F.2


Table I.F.2(2006) 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, 2006

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	714	1,006	981	944	769	537	1,007	630

Industry group **
Agric., fish., forest.	1,052	.	.	.	.	.	1,219	820	*
Mining and manufacturing	661	.	.	.	.	.	1,122	579
Construction	934	.	.	.	.	.	1,084	804
Utilities and transp.	663	.	.	.	.	.	1,236	545
Wholesale trade	778	.	.	.	.	.	1,061	641
Fin. svs. and real estate	655	.	.	.	.	.	882	611
Retail trade	768	.	.	.	.	.	1,103	704
Professional services	726	.	.	.	.	.	932	662
Other services	644	.	.	.	.	.	932	549

Ownership
For profit, incorporated	722	.	.	.	.	.	1,040	630
For profit, unincorporated	721	.	.	.	.	.	1,009	600
Nonprofit	661	.	.	.	.	.	708	654

Age of firm
Less than 5 years	926	.	.	.	.	.	982	823
5-9 years	895	.	.	.	.	.	1,021	741
10-19 years	828	.	.	.	.	.	1,012	688
20 or more years	747	.	.	.	.	.	1,006	673
Unknown	518	.	.	.	.	.	1,045	515

Multi/single status
2 or more locations	604	.	.	.	.	.	1,034	593
1 location only	915	.	.	.	.	.	1,005	788

Percent full-time employees
Less than 25%	662	.	.	.	.	.	901	604
25-49 %	624	.	.	.	.	.	1,081	508
50-74 %	747	.	.	.	.	.	1,018	656
75% or more	715	.	.	.	.	.	1,005	633

Union presence
No union employees	775	.	.	.	.	.	1,026	675
Has union employees	501	.	.	.	.	.	524	499
Unknown	570	.	.	.	.	.	824	565

Percent low wage employees
50% or more low wage	714	.	.	.	.	.	1,017	663
Less than 50% low wage	714	.	.	.	.	.	1,006	621

Source: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends. 2006 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(2006) 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, 2006

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	8.92	24.89	22.66	46.05	25.71	11.29	19.53	13.07

Industry group **
Agric., fish., forest.	190.14	.	.	.	.	.	190.62	322.73	*
Mining and manufacturing	26.54	.	.	.	.	.	88.75	28.43
Construction	47.65	.	.	.	.	.	64.52	73.27
Utilities and transp.	35.77	.	.	.	.	.	62.21	30.63
Wholesale trade	34.83	.	.	.	.	.	100.18	34.51
Fin. svs. and real estate	19.24	.	.	.	.	.	39.63	22.80
Retail trade	19.65	.	.	.	.	.	50.75	22.85
Professional services	24.58	.	.	.	.	.	23.77	27.26
Other services	33.49	.	.	.	.	.	50.91	34.97

Ownership
For profit, incorporated	12.84	.	.	.	.	.	21.37	15.24
For profit, unincorporated	26.38	.	.	.	.	.	38.54	24.49
Nonprofit	41.43	.	.	.	.	.	52.08	48.36

Age of firm
Less than 5 years	48.31	.	.	.	.	.	59.72	104.48
5-9 years	33.37	.	.	.	.	.	54.26	60.71
10-19 years	43.95	.	.	.	.	.	32.39	64.07
20 or more years	10.82	.	.	.	.	.	44.90	11.30
Unknown	20.00	.	.	.	.	.	209.54	19.01

Multi/single status
2 or more locations	9.41	.	.	.	.	.	53.74	9.64
1 location only	16.22	.	.	.	.	.	20.18	42.28

Percent full-time employees
Less than 25%	42.09	.	.	.	.	.	83.20	49.30
25-49 %	34.34	.	.	.	.	.	121.33	27.00
50-74 %	31.81	.	.	.	.	.	52.44	28.09
75% or more	9.63	.	.	.	.	.	25.17	14.80

Union presence
No union employees	8.26	.	.	.	.	.	19.97	12.17
Has union employees	20.99	.	.	.	.	.	77.26	21.90
Unknown	33.43	.	.	.	.	.	182.57	33.30

Percent low wage employees
50% or more low wage	16.97	.	.	.	.	.	51.83	20.73
Less than 50% low wage	8.24	.	.	.	.	.	16.56	12.55

Source: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends. 2006 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.