Table I.F.2 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, 2015
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 1,541    1,987    1,843    2,056    1,719    1,248    1,964    1,451   
Industry group **
Agric., fish., forest. 2,245    2,280    --    2,107    2,693    1,888    2,457    2,175   
Mining and manufacturing 1,403    1,895    1,809    1,939    1,564    1,102    1,963    1,320   
Construction 1,918    2,099    2,133    2,141    1,821    1,293    2,118    1,769   
Utilities and transp. 1,476    2,051    1,601    2,174    2,072    1,302    1,918    1,434   
Wholesale trade 1,580    2,077    1,931    2,070    1,600    1,203    1,988    1,445   
Fin. svs. and real estate 1,552    1,992    2,154    2,299    1,618    1,380    2,027    1,486   
Retail trade 1,658    1,926    2,046    2,065    1,986    1,455    2,069    1,591   
Professional services 1,428    1,957    1,634    1,970    1,626    1,086    1,849    1,336   
Other services 1,642    1,967    1,802    2,105    1,960    1,324    1,926    1,570   
Ownership
For profit, incorporated 1,563    2,106    1,889    2,080    1,765    1,287    2,026    1,465   
For profit, unincorporated 1,635    1,836    1,861    2,078    1,695    1,270    1,887    1,547   
Nonprofit 1,352    1,424    1,416    1,907    1,602    983    1,600    1,320   
Age of firm
Less than 5 years 2,021    2,049    1,806    2,235    1,813    1,648    2,024    2,017   
5-9 years 1,952    1,931    1,684    2,152    1,925    1,615    1,931    1,971   
10-19 years 1,930    2,200    1,962    2,129    1,919    1,369    2,096    1,825   
20 or more years 1,438    1,863    1,814    1,975    1,649    1,241    1,887    1,381   
Multi/single status
2 or more locations 1,358    --    1,772    2,102    1,614    1,248    1,887    1,347   
1 location only 1,918    1,983    1,849    2,043    1,858    1,255    1,970    1,866   
Percent full-time employees
Less than 25% 1,759    2,334    1,924    1,789    1,801    1,622    1,968    1,708   
25-49 % 1,685    2,102    1,774    2,135    2,173    1,371    1,961    1,649   
50-74 % 1,629    1,781    2,145    2,170    1,874    1,381    1,968    1,563   
75% or more 1,517    2,011    1,806    2,046    1,673    1,213    1,963    1,418   
Union presence
No union employees 1,640    2,003    1,862    2,082    1,769    1,326    1,984    1,549   
Has union employees 1,097    1,308    1,292    1,510    1,261    1,052    1,323    1,090   
Percent low-wage employees
50% or more low-wage 1,823    1,871    1,818    2,264    2,140    1,585    2,049    1,792   
Less than 50% low-wage 1,499    2,000    1,845    2,029    1,648    1,193    1,955    1,396   

Source: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends. 2015 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.

User note: for the 2015 data the upper edit bound for the individual deductible amount was recalibrated, causing the average individual deductible per enrollee, in single coverage in health insurance plans that had a deductible, to increase by about five percent at the national level.

 

Table I.F.2 Standard errors 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, 2015
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 16.02    59.87    58.50    44.40    38.85    19.05    34.79    17.70   
Industry group **
Agric., fish., forest. 312.24    522.34    --    502.26    801.84    326.62    313.39    399.59   
Mining and manufacturing 37.44    222.78    154.96    96.71    84.07    39.21    95.09    39.57   
Construction 104.48    195.56    265.71    172.98    240.48    196.36    143.20    145.00   
Utilities and transp. 100.84    238.76    211.18    335.50    197.73    119.65    236.70    107.13   
Wholesale trade 52.46    155.85    156.92    153.73    99.65    58.94    94.68    60.79   
Fin. svs. and real estate 45.09    299.35    266.57    158.31    109.89    48.66    154.39    45.71   
Retail trade 41.36    121.00    154.91    108.22    151.25    51.02    85.65    45.86   
Professional services 26.48    82.45    75.75    80.50    60.38    27.92    57.26    28.84   
Other services 43.84    142.78    132.38    122.51    104.56    51.41    78.06    50.55   
Ownership
For profit, incorporated 19.18    75.66    68.78    51.88    51.97    22.29    41.27    21.17   
For profit, unincorporated 46.42    105.33    137.20    119.13    108.03    57.69    79.76    55.22   
Nonprofit 38.28    149.40    153.30    132.18    63.29    40.14    119.83    39.77   
Age of firm
Less than 5 years 93.22    150.07    141.37    152.26    259.09    277.21    106.19    159.60   
5-9 years 88.40    137.67    137.58    135.53    212.80    240.27    91.57    146.37   
10-19 years 54.13    138.13    132.24    102.34    106.82    98.37    77.38    72.37   
20 or more years 16.88    82.06    76.61    55.57    41.49    19.49    45.74    17.91   
Multi/single status
2 or more locations 17.21    --    111.91    79.63    40.68    19.18    88.48    17.42   
1 location only 31.71    60.17    62.23    52.32    72.07    145.39    36.99    51.52   
Percent full-time employees
Less than 25% 75.74    241.09    177.24    183.66    204.87    86.77    167.65    84.97   
25-49 % 60.29    230.82    232.28    224.41    160.13    55.54    127.81    65.89   
50-74 % 45.49    108.26    283.38    151.59    113.75    48.50    121.59    48.83   
75% or more 18.05    71.16    57.00    48.41    43.32    21.84    37.87    19.99   
Union presence
No union employees 18.07    60.92    59.84    45.21    40.71    23.51    35.38    20.59   
Has union employees 28.73    202.82    213.65    206.18    110.53    28.94    140.71    29.23   
Percent low-wage employees
50% or more low-wage 45.09    121.68    152.99    132.66    114.84    54.25    100.83    49.44   
Less than 50% low-wage 16.96    65.13    61.47    47.09    40.81    19.58    36.96    18.60   

Source: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends. 2015 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.

User note: for the 2015 data the upper edit bound for the individual deductible amount was recalibrated, causing the average individual deductible per enrollee, in single coverage in health insurance plans that had a deductible, to increase by about five percent at the national level.