Table I.F.3(2012) 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, 2012
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 2,322    3,568    3,372    3,567    2,614    1,880    3,515    2,142   
Industry group **
Agric., fish., forest. 2,901    4,518    3,685    3,452    3,227    1,437    3,745    2,523   
Mining and manufacturing 2,006    4,024    3,111    3,669    2,232    1,583    3,705    1,846   
Construction 3,139    3,194    3,657    3,331    3,191    2,202    3,414    2,896   
Utilities and transp. 1,893    3,841    2,583    3,147    2,768    1,606    3,042    1,812   
Wholesale trade 2,456    3,821    3,300    3,807    2,444    1,903    3,503    2,250   
Fin. svs. and real estate 2,501    3,525    3,346    3,601    2,657    2,298    3,485    2,416   
Retail trade 2,468    3,751    3,660    3,938    2,900    2,045    3,714    2,291   
Professional services 2,280    3,850    3,630    3,285    2,751    1,775    3,703    2,072   
Other services 2,422    2,871    2,865    3,840    2,664    2,013    3,114    2,287   
Ownership
For profit, incorporated 2,314    3,642    3,443    3,620    2,693    1,856    3,572    2,120   
For profit, unincorporated 2,665    3,674    3,318    3,561    2,641    2,268    3,632    2,468   
Nonprofit 2,054    2,596    2,758    3,262    2,310    1,709    2,784    1,989   
Age of firm
Less than 5 years 2,807    3,469    3,236    3,048    2,096    2,218    3,407    2,273   
5-9 years 3,176    3,870    3,276    3,605    2,750    1,533    3,502    2,912   
10-19 years 3,009    3,750    3,746    3,494    2,665    1,931    3,706    2,571   
20 or more years 2,182    3,278    3,231    3,655    2,625    1,879    3,429    2,083   
Multi/single status
2 or more locations 2,045    3,990    3,033    3,618    2,592    1,891    3,432    2,022   
1 location only 3,137    3,562    3,405    3,553    2,643    1,433    3,523    2,797   
Percent full-time employees
Less than 25% 2,515    3,486    3,017    3,925    3,059    1,904    3,395    2,317   
25-49 % 2,322    3,750    3,448    3,329    3,146    1,883    3,526    2,174   
50-74 % 2,145    3,680    3,464    3,301    2,639    1,743    3,494    1,953   
75% or more 2,341    3,542    3,369    3,594    2,589    1,898    3,519    2,162   
Union presence
No union employees 2,606    3,745    3,420    3,608    2,716    1,928    3,620    2,355   
Has union employees 1,641    1,178    2,187    2,836    1,813    1,578    1,888    1,631   
Unknown 2,131    1,953    5,766    3,761    2,740    2,098    3,763    2,120   
Percent low wage employees
50% or more low wage 2,342    3,895    3,331    3,390    2,976    1,958    3,520    2,212   
Less than 50% low wage 2,319    3,530    3,376    3,583    2,564    1,868    3,514    2,132   

Source: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends. 2012 Medical Expenditure Panel Survey-Insurance Component.

Note: Definitions and descriptions of the methods used for this survey can be found in the Technical Appendix.

** 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(2012) 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, 2012
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 26.14    160.99    80.69    76.04    46.00    32.78    70.54    25.82   
Industry group **
Agric., fish., forest. 257.04    748.36    822.38    799.72    817.90    145.53    438.53    312.96   
Mining and manufacturing 74.92    474.81    239.86    180.57    113.07    60.13    148.28    75.90   
Construction 137.05    358.85    323.38    137.16    292.79    292.39    161.49    193.72   
Utilities and transp. 77.18    690.54    574.75    448.98    443.51    80.64    533.47    82.92   
Wholesale trade 112.85    412.97    314.21    193.22    162.77    151.56    220.92    103.89   
Fin. svs. and real estate 52.31    517.95    451.61    287.59    136.57    84.69    257.04    61.30   
Retail trade 59.45    405.88    330.78    173.14    240.23    62.44    203.09    69.79   
Professional services 52.53    155.15    179.86    169.84    158.06    63.82    79.22    60.89   
Other services 76.10    261.14    131.82    275.17    146.55    81.48    180.77    80.45   
Ownership
For profit, incorporated 38.39    164.23    98.80    67.31    73.17    37.82    72.18    38.11   
For profit, unincorporated 74.27    245.10    249.52    346.04    127.63    137.79    137.69    91.31   
Nonprofit 79.26    361.24    230.18    178.26    106.97    87.24    185.75    86.28   
Age of firm
Less than 5 years 133.46    224.69    361.14    432.32    287.73    320.54    152.38    263.37   
5-9 years 124.95    311.06    194.19    225.13    238.40    388.85    147.45    195.58   
10-19 years 73.02    333.11    211.27    135.09    215.76    110.02    154.03    105.97   
20 or more years 32.13    279.85    117.78    75.16    65.96    35.79    78.68    31.84   
Multi/single status
2 or more locations 30.12    853.66    277.92    162.91    68.25    33.09    172.43    30.26   
1 location only 62.63    153.75    75.99    92.83    106.45    138.86    79.68    83.09   
Percent full-time employees
Less than 25% 214.96    528.10    593.51    548.90    309.71    158.72    287.79    250.18   
25-49 % 92.50    490.73    405.98    322.09    285.83    74.32    139.35    103.61   
50-74 % 41.69    230.10    334.77    354.10    166.67    59.23    156.01    37.52   
75% or more 31.17    213.49    95.36    82.31    58.67    37.43    87.28    31.54   
Union presence
No union employees 26.15    160.65    67.52    58.45    53.01    58.90    61.82    36.55   
Has union employees 44.35    205.73    443.36    416.65    148.96    39.77    194.89    43.22   
Unknown 64.86    514.29    1,159.54    920.79    158.46    58.34    540.51    60.82   
Percent low wage employees
50% or more low wage 36.11    250.49    375.07    118.02    172.31    33.59    169.35    42.01   
Less than 50% low wage 30.48    193.40    83.11    81.53    54.10    38.76    76.53    31.11   

Source: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends. 2012 Medical Expenditure Panel Survey-Insurance Component.

Note: Definitions and descriptions of the methods used for this survey can be found in the Technical Appendix.

** 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.