| 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 | 38.7% | 12.1% | 91.0% | 34.2% | 71.0% | 11.2% | 10.5% | 74.4% |
| Firm size | ||||||||
| Less than 50 employees | 18.0% | 16.0% | 86.2% | 32.8% | 58.3% | 1.5% | 2.6% | 65.8% |
| 50+ employees | 66.7% | 7.0% | 97.5% | 36.2% | 88.1% | 24.3% | 21.2% | 86.0% |
| Less than 10 employees | 14.0% | 17.8% | 84.2% | 32.0% | 55.6% | 1.4% | 2.3% | 55.9% |
| 10-24 employees | 22.3% | 13.7% | 88.5% | 33.3% | 61.7% | 1.6% | 3.4% | 81.8% |
| 25-99 employees | 34.9% | 10.1% | 93.2% | 35.3% | 68.7% | 2.4% | 2.9% | 87.2% |
| 100-999 employees | 48.4% | 8.6% | 95.3% | 30.2% | 79.9% | 8.0% | 7.7% | 91.6% |
| 1000+ employees | 80.7% | 5.8% | 99.2% | 39.2% | 95.1% | 36.1% | 31.1% | 82.9% |
| Industry group ** | ||||||||
| Agric., fish., forest. | 15.9% | 20.0% | 81.7% | 21.9% | 61.5% | 2.4% * | 3.0% * | 50.6% |
| Mining and manufacturing | 30.4% | 10.8% | 91.6% | 31.8% | 68.9% | 7.2% | 7.2% | 82.6% |
| Construction | 20.5% | 14.2% | 87.7% | 31.8% | 61.4% | 3.2% | 3.3% | 75.5% |
| Utilities and transp. | 44.0% | 13.7% | 92.5% | 31.8% | 76.2% | 23.7% | 21.3% | 77.0% |
| Wholesale trade | 34.1% | 12.9% | 89.5% | 31.3% | 68.4% | 9.5% | 9.4% | 72.7% |
| Fin. svs. and real estate | 52.6% | 7.9% | 95.0% | 34.7% | 80.0% | 26.2% | 22.7% | 77.0% |
| Retail trade | 50.4% | 10.5% | 93.4% | 34.8% | 79.4% | 15.9% | 12.9% | 84.4% |
| Professional services | 35.0% | 14.1% | 89.0% | 33.7% | 68.5% | 6.8% | 7.2% | 67.8% |
| Other services | 36.3% | 12.5% | 90.8% | 37.6% | 66.4% | 6.2% | 7.2% | 72.4% |
| Ownership | ||||||||
| For profit, incorporated | 40.8% | 11.8% | 91.6% | 34.5% | 72.5% | 12.4% | 11.4% | 76.4% |
| For profit, unincorporated | 32.7% | 14.4% | 87.8% | 31.5% | 66.6% | 8.1% | 7.5% | 70.4% |
| Nonprofit | 33.2% | 10.9% | 91.6% | 37.0% | 67.0% | 7.3% | 9.1% | 65.6% |
| Age of firm | ||||||||
| Less than 5 years | 20.7% | 15.2% | 87.0% | 31.8% | 59.0% | 1.1% * | 1.5% | 63.5% |
| 5-9 years | 18.8% | 13.8% | 87.7% | 32.8% | 60.6% | 1.1% | 1.4% | 67.8% |
| 10-19 years | 24.6% | 14.6% | 87.9% | 34.7% | 60.4% | 1.2% | 1.5% | 70.5% |
| 20 or more years | 39.2% | 12.4% | 91.0% | 35.1% | 71.5% | 14.2% | 13.8% | 75.5% |
| Unknown | 77.5% | 5.4% | 99.0% | 32.8% | 95.5% | 24.8% | 20.8% | 85.4% |
| Multi/single status | ||||||||
| 2 or more locations | 66.0% | 7.0% | 97.4% | 35.5% | 88.3% | 24.8% | 21.9% | 86.0% |
| 1 location only | 19.6% | 15.7% | 86.5% | 33.3% | 58.9% | 1.6% | 2.5% | 66.3% |
| Percent full-time employees | ||||||||
| Less than 25% | 38.9% | 12.0% | 89.3% | 38.5% | 67.5% | 9.9% | 10.3% | 70.7% |
| 25-49 % | 45.1% | 12.1% | 92.5% | 31.5% | 76.9% | 14.3% | 12.1% | 76.0% |
| 50-74 % | 37.9% | 12.6% | 90.8% | 34.8% | 69.7% | 10.2% | 9.1% | 72.9% |
| 75% or more | 38.2% | 12.1% | 91.0% | 34.1% | 70.9% | 11.1% | 10.7% | 74.8% |
| Union presence | ||||||||
| No union employees | 33.7% | 12.8% | 90.0% | 33.0% | 68.2% | 7.4% | 7.1% | 74.1% |
| Has union employees | 70.8% | 4.7% | 97.5% | 43.9% | 88.3% | 42.9% | 40.8% | 70.6% |
| Unknown | 74.4% | 11.3% | 98.2% | 40.1% | 91.5% | 29.4% | 24.5% | 83.9% |
| Percent low wage employees | ||||||||
| 50% or more low wage | 42.7% | 12.3% | 91.4% | 33.0% | 73.2% | 11.3% | 11.1% | 78.0% |
| Less than 50% low wage | 37.4% | 12.1% | 90.9% | 34.6% | 70.3% | 11.1% | 10.3% | 73.2% |
Source: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends. 2008 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 | 0.39% | 0.34% | 0.33% | 0.57% | 0.56% | 0.26% | 0.36% | 0.71% |
| Firm size | ||||||||
| Less than 50 employees | 0.44% | 0.59% | 0.59% | 0.84% | 0.96% | 0.14% | 0.21% | 1.03% |
| 50+ employees | 0.63% | 0.24% | 0.16% | 0.77% | 0.59% | 0.60% | 0.83% | 0.63% |
| Less than 10 employees | 0.59% | 0.76% | 0.69% | 1.53% | 1.49% | 0.22% | 0.19% | 1.43% |
| 10-24 employees | 0.81% | 0.74% | 0.74% | 0.90% | 1.38% | 0.19% | 0.66% | 1.14% |
| 25-99 employees | 0.93% | 0.52% | 0.42% | 0.93% | 0.84% | 0.38% | 0.34% | 0.87% |
| 100-999 employees | 0.88% | 0.38% | 0.41% | 1.01% | 1.10% | 0.63% | 0.70% | 0.51% |
| 1000+ employees | 0.88% | 0.38% | 0.14% | 1.26% | 0.66% | 0.91% | 1.05% | 1.06% |
| Industry group ** | ||||||||
| Agric., fish., forest. | 4.04% | 4.20% | 3.79% | 4.94% | 7.12% | 1.17% * | 2.36% * | 5.47% |
| Mining and manufacturing | 1.27% | 1.29% | 1.18% | 0.99% | 1.35% | 0.68% | 0.78% | 1.24% |
| Construction | 1.85% | 0.97% | 0.72% | 1.93% | 1.47% | 0.78% | 0.92% | 2.36% |
| Utilities and transp. | 2.50% | 1.94% | 1.42% | 2.93% | 1.42% | 1.36% | 1.97% | 1.86% |
| Wholesale trade | 1.80% | 1.00% | 1.06% | 2.48% | 1.94% | 1.34% | 1.02% | 2.45% |
| Fin. svs. and real estate | 1.25% | 0.75% | 0.82% | 1.62% | 0.99% | 1.18% | 1.21% | 1.11% |
| Retail trade | 1.12% | 0.49% | 0.58% | 1.11% | 0.94% | 1.00% | 0.97% | 0.76% |
| Professional services | 0.96% | 0.90% | 0.67% | 1.11% | 1.04% | 0.80% | 0.93% | 1.48% |
| Other services | 0.97% | 0.81% | 0.71% | 1.05% | 0.96% | 0.38% | 0.62% | 0.83% |
| Ownership | ||||||||
| For profit, incorporated | 0.51% | 0.35% | 0.36% | 0.52% | 0.64% | 0.33% | 0.48% | 0.84% |
| For profit, unincorporated | 1.63% | 1.05% | 1.01% | 1.98% | 1.63% | 0.83% | 0.75% | 1.14% |
| Nonprofit | 1.35% | 0.99% | 0.86% | 1.79% | 1.67% | 0.68% | 0.74% | 1.24% |
| Age of firm | ||||||||
| Less than 5 years | 1.81% | 1.54% | 1.73% | 2.03% | 2.35% | 0.36% * | 0.45% | 1.46% |
| 5-9 years | 1.30% | 0.70% | 0.64% | 2.22% | 1.59% | 0.25% | 0.34% | 2.03% |
| 10-19 years | 0.74% | 1.05% | 1.00% | 1.80% | 1.52% | 0.17% | 0.30% | 1.25% |
| 20 or more years | 0.63% | 0.45% | 0.35% | 0.98% | 0.76% | 0.69% | 0.77% | 1.07% |
| Unknown | 0.95% | 0.40% | 0.20% | 2.26% | 0.48% | 0.95% | 0.78% | 1.32% |
| Multi/single status | ||||||||
| 2 or more locations | 0.59% | 0.22% | 0.14% | 0.77% | 0.56% | 0.59% | 0.85% | 0.66% |
| 1 location only | 0.44% | 0.56% | 0.53% | 0.84% | 0.86% | 0.14% | 0.15% | 1.01% |
| Percent full-time employees | ||||||||
| Less than 25% | 2.39% | 1.68% | 1.58% | 1.91% | 2.71% | 1.52% | 1.55% | 2.10% |
| 25-49 % | 1.16% | 0.91% | 0.74% | 1.56% | 1.45% | 0.99% | 1.11% | 2.36% |
| 50-74 % | 1.82% | 0.47% | 0.58% | 1.22% | 1.52% | 1.41% | 1.20% | 1.28% |
| 75% or more | 0.55% | 0.44% | 0.40% | 0.74% | 0.55% | 0.39% | 0.53% | 0.82% |
| Union presence | ||||||||
| No union employees | 0.47% | 0.40% | 0.40% | 0.62% | 0.64% | 0.32% | 0.31% | 0.68% |
| Has union employees | 1.52% | 0.82% | 0.83% | 2.00% | 1.26% | 2.25% | 1.87% | 2.59% |
| Unknown | 1.12% | 0.84% | 0.57% | 2.46% | 1.29% | 2.02% | 1.55% | 1.32% |
| Percent low wage employees | ||||||||
| 50% or more low wage | 0.54% | 0.63% | 0.60% | 0.90% | 0.73% | 0.57% | 0.54% | 1.16% |
| Less than 50% low wage | 0.52% | 0.50% | 0.43% | 0.59% | 0.66% | 0.35% | 0.55% | 0.72% |
Source: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends. 2008 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.