Table I.F.3(2014) 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, 2014
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 2,640    3,740    3,727    3,636    2,739    2,313    3,810    2,476   
Industry group **
Agric., fish., forest. 3,303    3,887    --    --    4,439    2,315    4,069    3,008   
Mining and manufacturing 2,435    3,578    3,356    3,716    2,579    2,085    3,639    2,338   
Construction 3,182    3,586    3,364    3,859    2,816    2,445    3,766    2,811   
Utilities and transp. 2,584    3,328    3,930    3,162    2,552    2,463    3,642    2,487   
Wholesale trade 2,726    4,299    4,577    3,665    2,634    2,026    4,306    2,326   
Fin. svs. and real estate 2,778    3,720    3,320    3,236    2,739    2,703    3,588    2,719   
Retail trade 2,845    3,966    4,343    4,511    3,676    2,417    4,570    2,643   
Professional services 2,548    3,893    3,815    3,523    2,886    2,154    3,786    2,390   
Other services 2,588    3,347    3,619    3,482    2,326    2,335    3,500    2,400   
Ownership
For profit, incorporated 2,692    3,783    3,833    3,718    2,781    2,380    3,913    2,524   
For profit, unincorporated 2,833    3,991    3,364    3,630    2,799    2,306    3,768    2,584   
Nonprofit 2,245    2,706    3,425    3,105    2,549    1,957    3,018    2,182   
Age of firm
Less than 5 years 3,237    3,839    2,864    4,031    2,875    2,166    3,770    2,833   
5-9 years 3,272    4,061    3,822    3,593    2,678    2,396    3,834    2,835   
10-19 years 3,178    3,686    3,697    3,744    2,816    2,644    3,792    2,907   
20 or more years 2,527    3,591    3,828    3,565    2,715    2,301    3,820    2,420   
Multi/single status
2 or more locations 2,408    --    3,510    3,528    2,633    2,319    3,687    2,388   
1 location only 3,344    3,734    3,745    3,668    2,883    2,061    3,824    2,956   
Percent full-time employees
Less than 25% 2,944    3,752    4,651    3,857    2,915    2,624    3,770    2,825   
25-49 % 2,870    3,176    3,686    3,925    3,161    2,570    3,613    2,762   
50-74 % 2,599    3,936    3,823    3,499    3,171    2,307    3,781    2,464   
75% or more 2,634    3,741    3,712    3,632    2,689    2,300    3,821    2,463   
Union presence
No union employees 2,892    3,859    3,820    3,764    2,879    2,399    3,934    2,661   
Has union employees 2,030    1,616    2,603    2,419    1,865    2,027    2,366    2,014   
Unknown 2,466    --    --    --    3,194    2,452    --    2,465   
Percent low-wage employees
50% or more low-wage 2,791    3,971    3,921    3,606    3,323    2,532    3,677    2,704   
Less than 50% low-wage 2,622    3,714    3,714    3,638    2,689    2,282    3,821    2,448   

Source: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends. 2014 Medical Expenditure Panel Survey-Insurance Component.

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

-- Data suppressed due to high standard errors or few 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.3(2014) 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, 2014
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 27.84    116.42    109.63    86.95    70.31    34.06    70.68    29.59   
Industry group **
Agric., fish., forest. 311.04    615.85    --    --    439.49    508.95    450.31    367.63   
Mining and manufacturing 70.92    433.52    292.33    201.21    143.71    88.60    185.75    74.20   
Construction 153.03    375.62    238.84    378.76    306.79    212.13    251.60    181.16   
Utilities and transp. 128.39    416.68    511.56    268.12    308.80    161.28    260.46    138.48   
Wholesale trade 108.83    368.36    468.03    238.28    231.26    139.47    219.73    110.73   
Fin. svs. and real estate 76.69    333.81    321.58    247.03    136.84    94.87    208.87    80.65   
Retail trade 80.64    418.09    457.23    265.33    273.15    78.98    227.92    79.39   
Professional services 49.72    206.52    206.71    168.15    151.00    53.18    132.43    52.00   
Other services 68.72    269.22    259.56    211.06    163.05    83.13    155.35    73.02   
Ownership
For profit, incorporated 32.52    141.46    124.35    102.28    85.73    39.64    81.98    34.64   
For profit, unincorporated 91.82    260.14    280.67    231.97    178.40    119.41    193.13    96.52   
Nonprofit 66.37    208.39    380.74    225.04    171.14    71.79    188.50    69.23   
Age of firm
Less than 5 years 182.06    306.43    305.08    439.80    318.05    288.26    278.03    216.96   
5-9 years 151.51    264.93    295.96    238.00    220.03    412.30    190.51    192.08   
10-19 years 83.60    220.72    240.62    161.99    162.46    127.08    135.34    98.32   
20 or more years 30.77    187.50    143.57    115.42    85.87    35.27    96.80    31.96   
Multi/single status
2 or more locations 30.39    --    336.93    137.05    71.44    34.43    175.12    30.71   
1 location only 67.12    116.66    115.41    105.36    136.79    207.84    76.13    96.73   
Percent full-time employees
Less than 25% 167.39    524.00    964.91    323.54    392.74    202.41    389.41    180.22   
25-49 % 105.14    547.49    509.24    338.38    299.87    120.46    289.61    110.35   
50-74 % 63.97    316.06    269.87    188.69    216.30    68.79    172.52    66.33   
75% or more 31.56    129.72    119.95    95.62    75.95    39.47    78.93    33.62   
Union presence
No union employees 36.13    117.58    113.81    91.48    76.39    49.00    72.31    39.46   
Has union employees 53.55    240.52    387.08    225.23    157.11    59.50    216.59    55.11   
Unknown 72.90    --    --    --    526.39    73.80    --    73.03   
Percent low-wage employees
50% or more low-wage 68.05    336.49    470.03    218.79    191.08    77.88    229.77    70.63   
Less than 50% low-wage 30.07    123.84    112.58    91.90    74.09    37.23    74.21    32.03   

Source: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends. 2014 Medical Expenditure Panel Survey-Insurance Component.

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

-- Data suppressed due to high standard errors or few 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.