Table I.F.11 Average family maximum out-of-pocket (in dollars) per employee enrolled with family coverage in a health insurance plan that had a maximum out-of-pocket at private-sector establishments by firm size and selected characteristics: United States, 2016
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 7,881    8,283    7,948    8,567    7,906    7,749    8,330    7,820   
Industry group **
Agric., fish., forest. 8,458    --    --    --    9,446    7,659    8,286    8,581   
Mining and manufacturing 7,975    8,654    9,920    8,347    7,866    7,875    8,806    7,905   
Construction 7,804    7,812    5,775    8,899    7,802    8,083    7,486    7,978   
Utilities and transp. 6,655    --    7,370    7,874    8,064    6,419    7,414    6,612   
Wholesale trade 8,139    8,700    8,068    7,956    8,023    8,203    8,366    8,097   
Fin. svs. and real estate 7,837    7,024    5,873    9,040    7,453    7,910    7,297    7,876   
Retail trade 8,718    8,698    8,516    9,430    8,616    8,665    8,980    8,689   
Professional services 7,876    8,830    8,498    8,651    8,112    7,616    8,597    7,778   
Other services 7,929    8,111    9,568    8,157    7,581    7,828    8,776    7,764   
Ownership
For profit, incorporated 7,862    8,316    7,599    8,569    7,835    7,762    8,287    7,801   
For profit, unincorporated 8,548    8,790    8,675    8,803    7,977    8,788    8,552    8,547   
Nonprofit 7,492    6,969    9,264    8,233    8,081    7,198    8,259    7,443   
Age of firm
Less than 5 years 8,872    8,380    8,279    9,382    8,894    9,106    8,264    9,352   
5-9 years 8,185    7,825    8,101    8,889    8,067    7,680    8,134    8,216   
10-19 years 7,969    8,466    8,866    8,254    7,774    7,276    8,550    7,676   
20 or more years 7,829    8,290    7,424    8,535    7,865    7,763    8,279    7,793   
Multi/single status
2 or more locations 7,814    --    7,963    8,703    7,987    7,754    8,299    7,807   
1 location only 8,092    8,274    7,948    8,532    7,779    7,580    8,333    7,893   
Percent full-time employees
Less than 25% 8,065    7,890    8,365    8,061    7,667    8,206    8,298    7,976   
25-49 % 8,172    9,921    7,599    7,952    7,276    8,474    8,408    8,143   
50-74 % 8,434    9,834    9,255    8,245    7,965    8,399    9,468    8,301   
75% or more 7,815    7,977    7,847    8,615    7,928    7,651    8,222    7,760   
Union presence
No union employees 7,986    8,501    8,297    8,832    7,898    7,801    8,531    7,895   
Has union employees 7,557    --    6,129    6,789    7,964    7,635    6,474    7,611   
Percent low-wage employees
50% or more low-wage 8,414    9,919    8,044    8,560    8,194    8,377    9,463    8,299   
Less than 50% low-wage 7,844    8,127    7,945    8,568    7,886    7,703    8,266    7,786   

Source: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends. 2016 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.11 Standard errors for average family maximum out-of-pocket (in dollars) per employee enrolled with family coverage in a health insurance plan that had a maximum out-of-pocket at private-sector establishments by firm size and selected characteristics: United States, 2016
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 67.11    248.41    284.39    185.16    126.13    91.01    155.24    73.17   
Industry group **
Agric., fish., forest. 500.23    --    --    --    1,052.18    744.92    845.26    617.64   
Mining and manufacturing 161.68    762.44    807.16    386.50    298.68    219.17    454.21    170.36   
Construction 338.51    807.92    620.64    728.83    484.53    988.96    491.48    444.68   
Utilities and transp. 205.29    --    586.75    659.06    485.51    231.01    561.59    214.35   
Wholesale trade 221.34    806.75    866.95    566.15    429.92    313.75    576.03    240.20   
Fin. svs. and real estate 177.76    735.26    662.92    489.62    357.91    215.29    433.27    188.20   
Retail trade 166.77    780.49    529.08    356.49    433.53    204.52    345.94    180.76   
Professional services 141.23    443.45    464.24    333.09    214.07    198.63    276.27    155.68   
Other services 167.50    518.75    582.91    446.22    359.78    228.88    359.26    184.60   
Ownership
For profit, incorporated 73.53    304.87    343.97    202.09    158.26    95.81    186.97    79.60   
For profit, unincorporated 205.38    475.85    505.97    508.76    335.19    329.48    343.75    237.47   
Nonprofit 190.33    645.45    724.00    695.56    243.55    247.94    421.40    199.84   
Age of firm
Less than 5 years 418.17    532.69    950.67    1,138.02    645.72    760.07    442.02    657.88   
5-9 years 278.74    590.71    553.99    670.80    517.04    562.39    407.16    373.41   
10-19 years 221.05    502.28    485.94    386.54    357.47    579.13    293.80    291.68   
20 or more years 73.75    383.98    411.93    198.54    143.66    92.93    224.73    77.57   
Multi/single status
2 or more locations 80.11    --    808.52    262.46    160.36    92.53    354.11    81.08   
1 location only 118.40    248.84    297.71    222.84    202.56    515.84    167.02    165.11   
Percent full-time employees
Less than 25% 306.27    1,110.05    2,000.21    617.04    679.31    285.64    866.27    267.58   
25-49 % 326.63    962.42    1,068.92    435.28    706.71    376.83    564.15    359.00   
50-74 % 167.61    469.38    654.89    431.52    375.21    213.95    338.74    181.05   
75% or more 74.09    281.83    310.99    203.44    134.64    101.23    171.75    80.77   
Union presence
No union employees 76.87    247.30    255.18    190.35    134.12    112.32    148.71    85.87   
Has union employees 139.25    --    1,044.66    422.24    368.14    155.80    705.01    141.26   
Percent low-wage employees
50% or more low-wage 157.70    502.16    992.90    616.62    306.09    199.00    522.79    163.34   
Less than 50% low-wage 70.88    262.80    293.01    191.87    133.00    96.55    160.59    77.46   

Source: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends. 2016 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.