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, 2017
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 3,396    4,776    4,271    4,269    3,518    3,104    4,447    3,254   
Industry group **
Agric., fish., forest. 3,510    --    --    --    2,835    2,872    6,149    2,901   
Mining and manufacturing 2,962    5,000    4,472    4,322    3,123    2,575    4,481    2,844   
Construction 3,671    4,400    3,291    3,947    3,588    3,291    3,675    3,669   
Utilities and transp. 3,535    4,191    4,721 * 3,407    3,445    3,517    4,439    3,484   
Wholesale trade 3,503    5,201    4,587    4,070    3,283    3,218    4,599    3,294   
Fin. svs. and real estate 3,643    4,058    4,277    4,065    3,684    3,588    4,164    3,612   
Retail trade 3,706    5,511    5,299    5,309    4,073    3,186    5,542    3,437   
Professional services 3,285    5,190    4,172    4,400    3,639    2,851    4,637    3,082   
Other services 3,486    3,946    4,725    4,061    3,923    3,183    4,181    3,361   
Ownership
For profit, incorporated 3,458    4,873    4,394    4,366    3,425    3,208    4,520    3,317   
For profit, unincorporated 3,441    5,187    4,265    4,396    3,985    2,722    4,669    3,181   
Nonprofit 3,010    3,170    3,181    3,482    3,499    2,789    3,459    2,969   
Age of firm
Less than 5 years 3,832    4,236    4,296    4,747    3,298    1,967    4,339    3,363   
5-9 years 3,666    4,761    3,033    4,051    3,554    2,994    3,895    3,503   
10-19 years 3,993    5,473    4,370    3,963    3,620    3,558    4,650    3,664   
20 or more years 3,309    4,471    4,568    4,391    3,508    3,092    4,508    3,214   
Multi/single status
2 or more locations 3,186    --    4,404    4,408    3,323    3,115    4,437    3,169   
1 location only 4,093    4,765    4,261    4,230    3,827    2,642    4,447    3,778   
Percent full-time employees
Less than 25% 3,618    --    --    3,440    2,843    3,747    3,857    3,559   
25-49 % 3,828    5,680    6,258    4,737    4,122    3,137    5,795    3,423   
50-74 % 3,334    5,198    3,942    4,389    3,801    2,944    4,694    3,149   
75% or more 3,385    4,684    4,176    4,259    3,487    3,112    4,372    3,255   
Union presence
No union employees 3,576    4,899    4,569    4,514    3,691    3,192    4,669    3,394   
Has union employees 2,810    2,755 * 1,670    2,699    2,410    2,895    1,969    2,847   
Percent low-wage employees
50% or more low-wage 3,704    4,861    4,161    4,326    4,048    3,440    4,458    3,617   
Less than 50% low-wage 3,374    4,769    4,276    4,265    3,478    3,078    4,446    3,227   

Source: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends. 2017 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, 2017
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 47.76    208.83    232.34    150.61    101.61    62.33    126.33    51.58   
Industry group **
Agric., fish., forest. 423.97    --    --    --    471.51    372.25    1,311.49    307.72   
Mining and manufacturing 115.22    611.75    826.67    293.99    211.22    139.00    322.18    118.64   
Construction 248.94    699.71    669.40    568.43    415.43    333.89    389.05    321.53   
Utilities and transp. 123.89    530.23    1,579.53 * 593.27    400.17    133.66    591.92    128.50   
Wholesale trade 154.82    675.83    474.12    392.14    420.63    173.04    305.45    175.01   
Fin. svs. and real estate 134.87    728.59    438.21    338.29    249.08    166.32    339.35    142.60   
Retail trade 126.59    726.12    520.04    582.54    295.23    107.89    518.74    105.12   
Professional services 83.40    334.49    358.03    199.98    148.87    103.74    194.34    87.75   
Other services 149.83    558.56    609.91    384.92    438.58    183.00    349.08    163.97   
Ownership
For profit, incorporated 54.48    220.79    300.62    193.31    124.44    68.92    155.65    58.62   
For profit, unincorporated 168.00    575.08    364.66    218.73    271.38    216.57    250.11    184.02   
Nonprofit 116.99    867.33    382.48    317.86    197.51    156.47    356.17    123.40   
Age of firm
Less than 5 years 286.85    642.31    673.29    356.24    510.15    498.21    378.93    396.45   
5-9 years 201.42    407.55    550.41    345.02    363.77    414.76    333.61    253.11   
10-19 years 167.04    405.89    359.93    268.04    287.10    465.26    238.31    220.83   
20 or more years 52.18    306.24    333.27    213.04    115.94    62.75    179.63    54.45   
Multi/single status
2 or more locations 54.72    --    599.90    243.69    102.48    63.57    267.59    55.34   
1 location only 100.81    211.14    245.09    180.10    202.87    231.51    135.90    146.41   
Percent full-time employees
Less than 25% 326.37    --    --    438.05    639.44    471.59    448.91    392.73   
25-49 % 215.62    566.16    1,335.46    426.87    407.52    199.32    649.33    183.68   
50-74 % 114.90    809.68    658.44    434.10    312.27    120.25    450.04    111.15   
75% or more 52.79    230.37    239.27    164.94    109.57    69.56    135.85    57.19   
Union presence
No union employees 53.78    203.86    212.75    132.03    108.34    76.16    119.34    59.53   
Has union employees 94.52    1,357.49 * 454.02    633.90    176.92    102.95    395.18    96.54   
Percent low-wage employees
50% or more low-wage 113.84    834.10    585.07    258.42    269.61    140.65    371.25    119.70   
Less than 50% low-wage 50.59    216.01    241.63    159.84    106.91    66.23    132.35    54.72   

Source: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends. 2017 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.