Table I.F.10 Average individual out-of-pocket maximum (in dollars) per employee enrolled with single 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, 2018
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 4,416    4,600    4,703    4,832    4,417    4,269    4,730    4,357   
Industry group **
Agric., fish., forest. 4,481    4,964    --    --    4,397    3,995    5,010    4,325   
Mining and manufacturing 4,333    4,816    5,189    4,952    4,605    3,940    5,063    4,234   
Construction 4,793    4,790    4,832    5,062    4,719    4,444    4,826    4,773   
Utilities and transp. 4,301    4,023    4,312    5,179    4,311    4,177    4,440    4,287   
Wholesale trade 4,306    4,633    4,692    4,708    4,311    4,041    4,742    4,199   
Fin. svs. and real estate 4,202    4,971    4,144    4,657    4,093    4,131    4,573    4,153   
Retail trade 4,919    4,370    4,557    5,073    4,796    4,980    4,753    4,945   
Professional services 4,326    4,618    4,688    4,678    4,353    4,173    4,696    4,256   
Other services 4,431    4,281    4,734    4,725    4,374    4,347    4,623    4,393   
Ownership
For profit, incorporated 4,483    4,607    4,686    4,943    4,516    4,333    4,750    4,431   
For profit, unincorporated 4,463    4,749    4,893    4,760    4,286    4,320    4,841    4,355   
Nonprofit 4,113    4,155    4,452    4,327    4,260    3,969    4,357    4,090   
Age of firm
Less than 5 years 4,714    5,081    4,723    4,627    4,730    3,958    4,909    4,522   
5-9 years 4,629    4,569    4,623    4,828    4,485    4,591    4,673    4,593   
10-19 years 4,560    4,831    4,633    4,683    4,434    4,411    4,690    4,494   
20 or more years 4,371    4,291    4,749    4,906    4,387    4,262    4,724    4,331   
Multi/single status
2 or more locations 4,344    5,159    4,899    4,878    4,467    4,279    4,991    4,332   
1 location only 4,583    4,594    4,689    4,820    4,337    3,845    4,707    4,467   
Percent full-time employees
Less than 25% 4,708    4,973    4,365    4,682    4,892    4,673    4,663    4,715   
25-49 % 4,531    3,570    4,565    4,673    4,581    4,508    4,525    4,531   
50-74 % 4,778    4,677    4,574    5,095    4,648    4,800    4,690    4,793   
75% or more 4,361    4,613    4,729    4,819    4,371    4,183    4,744    4,288   
Union presence
No union employees 4,473    4,621    4,743    4,864    4,428    4,308    4,753    4,407   
Has union employees 4,182    4,014    3,508    4,041    4,303    4,181    4,039    4,186   
Percent low-wage employees
50% or more low-wage 4,679    4,413    4,990    4,826    4,555    4,698    4,747    4,671   
Less than 50% low-wage 4,380    4,615    4,681    4,833    4,396    4,205    4,728    4,311   
Percent women employees
Less than 25% 4,483    4,631    4,812    4,919    4,519    4,109    4,768    4,383   
25-49 % 4,366    4,653    4,471    5,038    4,456    4,208    4,738    4,318   
50-74 % 4,357    4,554    4,847    4,637    4,328    4,279    4,708    4,311   
75% or more 4,482    4,562    4,602    4,676    4,363    4,474    4,673    4,447   
Percent age 50 or older employees
Less than 25% 4,444    4,717    4,570    4,765    4,331    4,323    4,692    4,377   
25-49 % 4,370    4,134    4,878    4,860    4,460    4,249    4,711    4,335   
50-74 % 4,514    4,621    4,780    5,083    4,555    4,212    4,820    4,419   
75% or more 4,559    4,935    4,670    4,388    4,396    4,411    4,881    4,323   

Source: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends. 2018 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.10 Standard errors for average individual out-of-pocket maximum (in dollars) per employee enrolled with single 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, 2018
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 24.54    78.81    83.08    54.12    55.25    35.59    44.77    28.03   
Industry group **
Agric., fish., forest. 294.26    592.18    --    --    393.71    544.45    381.11    358.77   
Mining and manufacturing 61.86    270.17    204.04    148.87    144.07    71.78    122.28    67.81   
Construction 99.11    235.61    205.52    167.19    225.25    271.66    122.76    141.97   
Utilities and transp. 113.92    371.74    404.32    257.97    288.01    141.75    217.16    123.73   
Wholesale trade 87.95    313.01    288.07    220.47    176.69    118.53    178.85    96.84   
Fin. svs. and real estate 65.14    241.61    412.29    188.62    196.99    67.17    191.01    68.82   
Retail trade 97.17    304.96    305.25    168.51    146.44    135.22    158.01    108.87   
Professional services 40.56    129.57    148.08    99.64    84.48    58.30    79.33    45.73   
Other services 51.06    176.92    174.76    124.37    162.18    53.09    100.33    57.63   
Ownership
For profit, incorporated 30.46    92.75    102.28    64.56    71.02    43.99    53.99    35.05   
For profit, unincorporated 52.41    171.94    172.59    131.06    111.13    75.08    101.63    59.67   
Nonprofit 58.80    266.27    221.30    155.45    127.18    73.32    132.30    62.97   
Age of firm
Less than 5 years 111.19    192.57    224.55    204.95    249.32    345.33    127.53    181.26   
5-9 years 93.58    173.29    263.13    165.59    197.14    237.97    124.62    135.99   
10-19 years 68.64    153.91    160.89    126.57    127.83    193.30    93.70    91.90   
20 or more years 28.14    122.94    117.18    66.99    66.93    36.62    62.56    30.61   
Multi/single status
2 or more locations 30.36    510.03    241.28    103.02    66.75    35.93    121.41    30.86   
1 location only 42.38    79.42    87.21    63.30    97.19    239.89    47.46    68.92   
Percent full-time employees
Less than 25% 92.83    295.04    279.28    263.63    209.72    129.64    176.20    104.53   
25-49 % 119.32    402.37    316.51    194.70    196.60    203.51    177.41    136.09   
50-74 % 74.79    220.74    252.76    143.42    127.16    114.52    132.35    84.47   
75% or more 26.94    87.65    92.41    60.72    63.40    38.17    49.88    30.73   
Union presence
No union employees 27.22    80.43    84.12    54.27    57.55    43.72    45.31    32.04   
Has union employees 56.87    337.46    410.90    324.69    212.55    60.22    260.19    57.99   
Percent low-wage employees
50% or more low-wage 71.98    274.30    244.49    153.00    165.71    94.01    135.05    78.80   
Less than 50% low-wage 26.06    82.40    86.93    57.70    59.01    37.97    47.28    29.92   
Percent women employees
Less than 25% 47.29    134.20    130.13    88.27    101.57    78.13    71.23    58.59   
25-49 % 49.29    185.29    169.71    134.17    125.01    63.22    104.86    54.10   
50-74 % 49.76    169.28    219.22    106.86    112.10    67.98    103.77    54.89   
75% or more 51.59    157.20    169.93    119.84    111.99    73.82    94.32    58.37   
Percent age 50 or older employees
Less than 25% 39.27    109.93    121.37    80.02    85.04    62.90    66.42    46.63   
25-49 % 36.77    173.32    151.58    92.38    88.85    47.03    83.50    39.66   
50-74 % 67.43    191.64    178.48    128.81    138.51    115.51    104.67    82.64   
75% or more 125.62    214.28    369.77    296.38    253.44    260.57    168.73    177.69   

Source: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends. 2018 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.