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, 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 8,375    9,047    8,728    9,258    8,222    8,246    9,025    8,294   
Industry group **
Agric., fish., forest. 7,745    --    --    --    7,340    8,391    6,538    8,118   
Mining and manufacturing 7,995    8,741    8,786    9,343    8,233    7,701    9,310    7,918   
Construction 8,631    9,087    8,946    9,058    8,417    8,063    8,874    8,505   
Utilities and transp. 8,044    --    6,091    8,763    8,189    7,988    7,821    8,060   
Wholesale trade 8,616    10,536    9,336    9,949    8,495    8,195    9,588    8,461   
Fin. svs. and real estate 8,205    8,954    7,842    9,397    8,019    8,148    8,748    8,165   
Retail trade 10,001    10,874    8,788    9,263    9,121    10,269    9,764    10,029   
Professional services 8,283    9,086    9,354    9,245    8,065    8,131    9,389    8,146   
Other services 8,326    8,063    8,190    9,018    8,231    8,270    8,392    8,315   
Ownership
For profit, incorporated 8,468    8,818    8,711    9,369    8,232    8,382    8,975    8,405   
For profit, unincorporated 8,437    10,157    9,309    9,219    8,148    8,068    9,589    8,176   
Nonprofit 7,957    7,872    7,998    8,630    8,241    7,797    8,204    7,942   
Age of firm
Less than 5 years 9,005    9,151    9,912    9,259    8,180    8,979    9,473    8,481   
5-9 years 8,951    8,842    9,733    9,587    8,101    8,970    9,569    8,508   
10-19 years 8,645    9,790    8,574    9,191    7,994    8,665    9,151    8,400   
20 or more years 8,308    8,648    8,369    9,215    8,272    8,227    8,726    8,279   
Multi/single status
2 or more locations 8,293    --    8,668    9,518    8,259    8,257    9,598    8,277   
1 location only 8,653    9,022    8,732    9,179    8,161    7,817    8,973    8,396   
Percent full-time employees
Less than 25% 8,143    --    6,582    9,881    8,105    8,595    6,442    8,576   
25-49 % 8,833    --    8,463    8,543    8,195    9,274    8,553    8,877   
50-74 % 9,384    8,772    8,192    10,359    8,906    9,541    8,917    9,446   
75% or more 8,278    9,217    8,836    9,195    8,166    8,108    9,097    8,178   
Union presence
No union employees 8,534    9,168    8,908    9,436    8,211    8,420    9,145    8,436   
Has union employees 7,904    7,963    5,798    7,360    8,291    7,895    7,397    7,919   
Percent low-wage employees
50% or more low-wage 8,976    7,782    8,224    9,574    8,398    9,172    8,076    9,079   
Less than 50% low-wage 8,334    9,157    8,757    9,242    8,211    8,180    9,084    8,241   
Percent women employees
Less than 25% 8,255    8,983    8,612    9,086    8,224    7,885    8,923    8,101   
25-49 % 8,186    8,403    9,128    9,452    7,730    8,130    9,006    8,116   
50-74 % 8,525    9,371    8,465    9,293    8,653    8,394    9,065    8,477   
75% or more 8,635    9,499    8,744    9,466    8,379    8,586    9,325    8,569   
Percent age 50 or older employees
Less than 25% 8,518    9,056    8,707    9,229    8,103    8,456    8,941    8,428   
25-49 % 8,256    7,405    8,671    9,489    8,207    8,169    8,785    8,224   
50-74 % 8,454    10,049    8,852    8,726    8,452    8,177    9,377    8,266   
75% or more 9,142    9,996    8,895    9,865    9,310    8,641    9,888    8,828   

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.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, 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 63.41    304.59    226.53    159.75    142.51    82.79    143.45    68.83   
Industry group **
Agric., fish., forest. 921.24    --    --    --    852.47    1,668.22    1,009.38    1,127.91   
Mining and manufacturing 179.07    1,070.44    862.06    652.12    344.54    234.58    491.29    187.38   
Construction 294.15    843.70    536.68    433.46    652.40    616.70    360.78    406.00   
Utilities and transp. 324.24    --    1,115.02    793.44    974.88    373.28    778.17    343.33   
Wholesale trade 252.50    714.30    614.77    426.20    462.04    365.02    404.18    281.30   
Fin. svs. and real estate 128.10    686.42    914.69    418.02    342.62    146.19    472.81    132.72   
Retail trade 254.24    1,340.77    755.92    501.50    398.80    319.91    527.58    276.56   
Professional services 100.81    535.08    366.40    285.22    233.42    124.82    261.52    106.41   
Other services 127.48    611.71    442.16    298.62    415.35    129.82    294.56    140.64   
Ownership
For profit, incorporated 78.91    379.89    275.19    194.26    185.50    102.05    168.61    86.11   
For profit, unincorporated 164.43    529.56    484.81    396.59    278.21    245.32    335.60    178.08   
Nonprofit 132.66    792.92    675.40    406.92    322.37    154.10    381.89    138.86   
Age of firm
Less than 5 years 282.77    597.30    667.64    475.18    514.63    900.27    360.41    415.64   
5-9 years 280.11    651.76    449.38    518.28    489.21    398.07    421.90    326.52   
10-19 years 196.83    537.87    369.72    261.60    350.15    542.21    255.94    259.64   
20 or more years 70.04    520.71    338.71    214.33    169.66    84.42    203.93    73.59   
Multi/single status
2 or more locations 74.52    --    473.92    236.60    186.78    83.82    271.80    75.29   
1 location only 118.53    307.72    239.93    195.56    225.13    526.85    154.40    171.40   
Percent full-time employees
Less than 25% 432.96    --    907.18    644.62    708.49    414.72    1,275.59    346.19   
25-49 % 314.82    --    646.86    481.28    653.69    420.87    493.73    355.97   
50-74 % 213.04    825.71    663.49    389.23    458.12    282.74    461.20    232.58   
75% or more 67.49    320.70    254.75    173.90    154.14    87.27    154.03    73.03   
Union presence
No union employees 68.61    299.75    229.53    139.58    142.73    96.22    143.37    75.99   
Has union employees 144.54    1,303.37    826.69    811.54    539.82    151.90    672.16    147.61   
Percent low-wage employees
50% or more low-wage 193.31    1,121.84    821.61    489.66    540.69    213.03    567.24    203.08   
Less than 50% low-wage 66.30    308.76    235.51    165.94    147.49    87.03    147.16    72.02   
Percent women employees
Less than 25% 137.96    493.47    345.29    288.04    251.94    224.99    225.04    160.13   
25-49 % 127.62    771.18    474.65    268.47    306.27    156.38    316.58    135.35   
50-74 % 105.17    540.93    508.33    311.09    304.16    122.81    311.24    111.18   
75% or more 124.03    623.72    539.05    276.51    231.53    162.96    310.59    132.05   
Percent age 50 or older employees
Less than 25% 101.12    461.59    344.25    203.57    212.60    145.85    208.77    113.89   
25-49 % 91.81    566.54    339.98    253.34    224.16    109.61    267.93    95.73   
50-74 % 165.12    565.03    630.15    497.15    349.16    234.11    332.41    189.64   
75% or more 400.21    920.96    835.24    694.86    730.36    690.47    646.21    502.95   

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.