Table I.F.3 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, 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 2,871    4,184    4,082    3,780    3,007    2,538    4,068    2,704   
Industry group **
Agric., fish., forest. 4,006    --    --    3,552    --    2,665    4,509    3,807   
Mining and manufacturing 2,616    4,592    4,433    3,270    2,625    2,387    3,841    2,521   
Construction 3,345    3,988    3,726    3,343    3,532    2,468    3,820    3,077   
Utilities and transp. 3,071    --    5,122    5,301    3,908    2,764    5,378    2,885   
Wholesale trade 3,036    3,934    3,775    3,577    3,096    2,668    3,920    2,847   
Fin. svs. and real estate 2,869    3,910    4,400    4,427    2,834    2,731    3,844    2,804   
Retail trade 3,259    3,965    4,737    4,114    4,353    2,888    4,276    3,115   
Professional services 2,686    4,465    3,817    3,872    2,936    2,271    4,060    2,498   
Other services 2,985    3,874    4,319    4,186    3,068    2,614    4,211    2,751   
Ownership
For profit, incorporated 2,927    4,442    4,158    3,808    3,052    2,615    4,260    2,751   
For profit, unincorporated 3,045    3,891    3,830    3,873    2,848    2,645    3,723    2,858   
Nonprofit 2,405    2,833    3,784    3,475    2,956    2,007    3,116    2,339   
Age of firm
Less than 5 years 3,994    4,645    4,323    3,961    2,877    4,749    4,353    3,391   
5-9 years 3,673    4,114    3,942    4,084    3,077    3,528    4,049    3,377   
10-19 years 3,572    4,246    4,379    3,991    3,519    2,605    4,194    3,259   
20 or more years 2,727    3,967    3,892    3,651    2,897    2,530    3,933    2,635   
Multi/single status
2 or more locations 2,635    --    3,375    4,280    2,859    2,539    4,247    2,617   
1 location only 3,618    4,202    4,140    3,641    3,217    2,534    4,054    3,226   
Percent full-time employees
Less than 25% 4,046    4,416    --    3,718    4,164    3,974    3,927    4,078   
25-49 % 3,185    3,612    3,916    4,791    3,627    2,836    3,889    3,121   
50-74 % 2,931    3,776    4,455    3,951    3,885    2,564    4,397    2,733   
75% or more 2,841    4,253    4,054    3,740    2,918    2,511    4,041    2,673   
Union presence
No union employees 3,084    4,421    4,211    3,998    3,144    2,684    4,263    2,880   
Has union employees 2,208    1,167    2,662    2,137    2,255    2,212    2,057    2,215   
Percent low-wage employees
50% or more low-wage 3,587    3,836    3,972    4,608    3,582    3,469    4,134    3,541   
Less than 50% low-wage 2,810    4,213    4,084    3,730    2,961    2,451    4,065    2,629   

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.

 

Table I.F.3 Standard errors 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, 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 35.40    168.76    159.14    130.13    95.71    39.16    104.08    36.43   
Industry group **
Agric., fish., forest. 543.89    --    --    812.18    --    331.19    924.97    671.65   
Mining and manufacturing 77.45    539.06    593.89    200.86    168.71    90.45    284.12    78.76   
Construction 245.82    536.84    426.04    371.49    677.78    294.01    291.84    344.46   
Utilities and transp. 167.04    --    873.16    1,187.74    460.60    161.36    813.70    153.73   
Wholesale trade 137.30    313.76    346.45    422.61    240.83    213.13    228.70    158.73   
Fin. svs. and real estate 69.31    500.87    348.71    402.18    189.72    75.18    264.54    70.77   
Retail trade 86.95    521.24    575.95    268.00    301.21    91.61    298.47    88.09   
Professional services 60.05    308.26    247.99    220.43    139.46    65.97    166.49    60.82   
Other services 127.66    396.30    537.10    500.78    247.10    148.31    336.96    129.01   
Ownership
For profit, incorporated 41.48    213.65    177.51    158.52    124.16    44.40    127.79    42.21   
For profit, unincorporated 96.00    291.69    302.20    227.76    216.81    126.14    172.41    109.77   
Nonprofit 90.53    372.44    924.46    377.89    170.68    100.83    336.46    92.59   
Age of firm
Less than 5 years 256.11    443.25    655.48    338.66    467.66    1,390.25    314.43    379.57   
5-9 years 203.74    405.79    349.58    378.08    357.72    736.08    242.76    294.44   
10-19 years 134.35    275.01    305.08    210.25    296.52    209.52    164.20    178.83   
20 or more years 36.88    277.80    211.90    180.65    102.31    39.89    164.70    36.98   
Multi/single status
2 or more locations 36.83    --    324.37    330.62    98.59    39.56    555.50    36.53   
1 location only 86.17    170.20    169.90    139.12    184.33    273.50    103.56    128.72   
Percent full-time employees
Less than 25% 229.23    1,027.88    --    617.95    448.38    275.04    655.85    231.31   
25-49 % 166.05    580.04    634.41    724.68    457.27    162.04    337.59    177.24   
50-74 % 105.47    380.25    570.39    779.48    249.41    101.44    470.71    95.65   
75% or more 38.64    191.86    170.07    130.05    102.29    43.50    107.82    40.05   
Union presence
No union employees 41.15    167.95    165.01    132.58    102.64    47.40    104.38    42.93   
Has union employees 61.95    213.74    401.33    292.44    239.68    65.56    253.89    63.79   
Percent low-wage employees
50% or more low-wage 114.23    472.09    604.98    375.30    367.93    125.14    305.62    121.37   
Less than 50% low-wage 36.65    178.58    162.01    135.21    98.67    39.91    108.45    37.41   

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.