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, 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 3,069    4,288    3,616    3,926    3,422    2,730    3,940    2,944   
Industry group **
Agric., fish., forest. 2,769    --    --    1,815    4,188    2,109    2,922    2,655   
Mining and manufacturing 2,825    5,303    3,834    3,967    2,961    2,515    4,352    2,701   
Construction 3,632    5,549    3,004    3,709    3,941    2,716    3,882    3,481   
Utilities and transp. 2,995    --    5,069    4,460    3,416    2,815    4,356    2,914   
Wholesale trade 3,092    3,876    3,808    3,587    3,258    2,781    3,776    2,963   
Fin. svs. and real estate 3,028    4,302    2,747    4,113    3,418    2,883    3,649    2,986   
Retail trade 3,208    3,872    5,040    3,674    4,982    2,821    4,148    3,096   
Professional services 3,094    4,208    3,808    4,340    3,605    2,648    4,091    2,940   
Other services 3,130    3,737    3,429    3,788    3,173    2,854    3,621    3,024   
Ownership
For profit, incorporated 3,064    4,391    3,681    3,932    3,362    2,747    4,019    2,924   
For profit, unincorporated 3,306    4,528    3,580    4,170    3,624    2,683    3,935    3,156   
Nonprofit 2,915    2,844    3,158    3,534    3,447    2,671    3,244    2,891   
Age of firm
Less than 5 years 3,866    4,616    2,520    4,436    3,882    3,111    3,780    3,933   
5-9 years 3,520    4,112    3,514    4,071    3,362    2,370    3,777    3,348   
10-19 years 3,587    4,202    4,005    4,101    3,311    2,840    4,202    3,240   
20 or more years 2,967    4,323    3,581    3,763    3,422    2,728    3,872    2,890   
Multi/single status
2 or more locations 2,874    --    3,567    4,100    3,378    2,739    3,784    2,861   
1 location only 3,679    4,290    3,619    3,882    3,494    2,337    3,954    3,428   
Percent full-time employees
Less than 25% 3,702    5,917    2,194 * 5,056    3,054    3,306    4,476    3,333   
25-49 % 3,075    5,004    3,999    4,045    3,076    2,771    4,328    2,902   
50-74 % 3,133    3,538    4,383    4,235    3,593    2,833    4,039    2,999   
75% or more 3,054    4,317    3,592    3,886    3,427    2,712    3,899    2,936   
Union presence
No union employees 3,242    4,354    4,025    4,125    3,470    2,836    4,146    3,083   
Has union employees 2,531    --    1,618    2,586    3,076    2,495    2,117    2,554   
Percent low-wage employees
50% or more low-wage 3,519    5,883    4,757    4,267    3,870    3,119    5,272    3,306   
Less than 50% low-wage 3,036    4,123    3,570    3,908    3,390    2,700    3,858    2,917   

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.

* Figure does not meet standard of reliability or precision.

-- 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, 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 37.13    207.45    154.57    116.63    90.90    44.80    98.49    39.61   
Industry group **
Agric., fish., forest. 313.97    --    --    413.34    839.62    258.54    585.57    338.96   
Mining and manufacturing 91.06    1,182.81    669.51    265.56    187.49    106.42    381.04    91.70   
Construction 213.69    943.19    354.00    404.58    444.49    255.24    321.15    281.09   
Utilities and transp. 124.52    --    662.96    826.23    300.34    135.04    422.12    128.11   
Wholesale trade 128.11    884.38    352.89    379.89    252.70    182.03    269.77    142.71   
Fin. svs. and real estate 102.33    691.26    376.76    310.37    235.06    118.40    310.43    106.59   
Retail trade 110.46    531.98    525.66    245.09    505.17    105.14    281.34    116.87   
Professional services 69.64    273.08    211.04    192.68    159.76    86.58    152.72    75.10   
Other services 110.01    399.86    465.50    263.28    259.49    141.96    252.88    120.89   
Ownership
For profit, incorporated 42.63    248.83    192.63    145.36    114.29    49.25    118.76    45.10   
For profit, unincorporated 99.82    453.02    303.96    261.71    246.79    116.29    222.82    109.97   
Nonprofit 108.25    475.39    410.03    258.42    184.87    142.53    247.59    114.46   
Age of firm
Less than 5 years 223.07    483.95    358.21    419.26    489.72    294.46    324.18    305.56   
5-9 years 191.54    524.54    403.96    309.95    347.53    331.52    269.68    250.14   
10-19 years 119.24    320.36    309.59    197.94    256.63    201.00    187.92    147.21   
20 or more years 40.60    356.57    218.20    162.93    103.90    46.35    139.21    42.18   
Multi/single status
2 or more locations 41.85    --    307.18    190.45    113.68    45.65    193.49    42.29   
1 location only 77.99    208.10    164.36    137.27    151.85    195.98    106.24    111.12   
Percent full-time employees
Less than 25% 339.82    1,113.27    1,133.99 * 709.72    424.36    178.28    1,073.00    192.86   
25-49 % 156.69    945.92    646.15    299.05    445.35    173.12    366.53    158.10   
50-74 % 97.15    398.03    473.96    352.67    309.94    108.44    272.77    101.49   
75% or more 40.86    243.14    158.69    125.71    97.41    49.71    105.32    43.74   
Union presence
No union employees 42.23    211.16    140.38    99.75    95.59    53.39    95.61    45.58   
Has union employees 78.70    --    276.90    457.44    297.58    83.20    301.09    81.12   
Percent low-wage employees
50% or more low-wage 116.09    697.08    572.70    339.44    206.05    142.47    378.44    117.63   
Less than 50% low-wage 38.81    215.19    158.22    121.16    96.16    46.84    100.75    41.55   

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.

* Figure does not meet standard of reliability or precision.

-- 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.