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, 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 3,392    4,171    4,461    4,610    3,645    3,035    4,364    3,263   
Industry group **
Agric., fish., forest. 2,825    --    --    --    2,063 * 2,216    4,398    2,346   
Mining and manufacturing 3,279    4,073    5,136    4,796    3,928    2,737    4,979    3,177   
Construction 3,709    3,730    4,607    4,293    3,493    2,823    4,055    3,519   
Utilities and transp. 3,075    --    3,640    4,249    3,305    2,912    4,096    3,007   
Wholesale trade 3,561    4,594    4,723    4,824    3,867    2,985    4,522    3,401   
Fin. svs. and real estate 3,352    4,350    3,151    4,679    3,574    3,181    4,307    3,278   
Retail trade 3,912    3,452    5,123    4,984    4,080    3,704    4,659    3,814   
Professional services 3,283    4,619    4,560    4,492    3,608    2,887    4,531    3,105   
Other services 3,527    3,655    4,159    4,531    3,329    3,345    3,859    3,465   
Ownership
For profit, incorporated 3,472    4,159    4,467    4,758    3,689    3,149    4,421    3,349   
For profit, unincorporated 3,585    4,397    4,826    4,674    3,910    2,884    4,484    3,368   
Nonprofit 2,887    3,555    3,874    3,547    3,299    2,610    3,672    2,829   
Age of firm
Less than 5 years 4,495    4,583    4,366    5,900    3,865    2,689    4,748    4,210   
5-9 years 4,112    4,607    4,952    4,533    3,568    3,106    4,602    3,736   
10-19 years 3,767    4,404    4,205    4,267    3,719    2,842    4,297    3,503   
20 or more years 3,292    3,711    4,523    4,571    3,626    3,042    4,242    3,220   
Multi/single status
2 or more locations 3,203    --    3,758    4,821    3,706    3,051    4,508    3,187   
1 location only 4,014    4,157    4,508    4,548    3,550    2,375    4,352    3,721   
Percent full-time employees
Less than 25% 3,738    --    4,586    4,560    4,134    3,584    3,442    3,807   
25-49 % 3,644    3,588    4,586    4,040    3,321    3,582    4,161    3,552   
50-74 % 3,402    3,946    3,972    5,069    4,395    2,863    4,018    3,319   
75% or more 3,381    4,260    4,497    4,598    3,589    3,034    4,416    3,246   
Union presence
No union employees 3,625    4,454    4,554    4,758    3,697    3,244    4,538    3,471   
Has union employees 2,674    1,661    2,867    3,018    3,309    2,597    2,051    2,696   
Percent low-wage employees
50% or more low-wage 4,005    4,929    4,607    4,713    4,444    3,740    4,647    3,933   
Less than 50% low-wage 3,350    4,110    4,454    4,605    3,597    2,983    4,348    3,215   
Percent women employees
Less than 25% 3,462    4,007    4,497    4,463    3,581    2,848    4,257    3,263   
25-49 % 3,238    3,747    4,437    4,735    3,600    2,946    4,305    3,145   
50-74 % 3,585    4,395    4,774    4,864    4,100    3,291    4,717    3,478   
75% or more 3,235    4,791    4,017    4,583    3,295    2,974    4,317    3,125   
Percent age 50 or older employees
Less than 25% 3,687    4,154    4,354    4,759    3,736    3,269    4,354    3,533   
25-49 % 3,184    3,346    4,383    4,495    3,558    2,948    4,139    3,122   
50-74 % 3,551    4,457    4,813    4,332    3,689    3,064    4,564    3,335   
75% or more 3,843    5,033    5,051    6,048    3,847    2,848    5,047    3,352   

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.

* 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, 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 36.94    196.77    156.43    114.04    101.88    43.14    96.65    39.49   
Industry group **
Agric., fish., forest. 436.75    --    --    --    721.07 * 501.20    294.27    445.99   
Mining and manufacturing 92.13    500.20    436.42    363.60    235.85    84.48    258.06    95.05   
Construction 189.00    532.33    442.97    286.22    375.20    300.31    267.21    244.91   
Utilities and transp. 153.48    --    758.77    430.10    483.93    171.24    425.66    159.29   
Wholesale trade 147.52    661.36    541.97    488.24    345.03    160.90    319.55    160.85   
Fin. svs. and real estate 87.37    645.23    469.07    442.27    250.84    94.97    397.50    87.91   
Retail trade 162.81    848.53    577.02    287.63    324.84    217.19    387.16    179.90   
Professional services 62.60    338.22    266.50    175.71    184.07    69.79    164.22    65.66   
Other services 99.85    393.62    342.65    322.20    300.94    102.46    222.92    109.73   
Ownership
For profit, incorporated 43.33    246.80    193.92    137.00    120.60    50.56    120.07    45.93   
For profit, unincorporated 112.23    396.40    348.26    272.46    264.37    119.56    210.41    126.55   
Nonprofit 94.41    477.46    304.03    280.86    249.46    110.68    212.15    99.62   
Age of firm
Less than 5 years 258.47    407.84    463.08    522.15    456.77    463.88    299.20    419.34   
5-9 years 215.53    599.00    458.44    271.31    449.39    303.22    288.27    295.39   
10-19 years 125.42    305.02    288.06    179.51    265.45    196.24    167.68    165.00   
20 or more years 39.66    313.93    220.94    147.14    117.29    44.37    135.56    41.32   
Multi/single status
2 or more locations 41.01    --    455.32    220.07    125.06    43.45    271.16    41.32   
1 location only 87.73    197.51    163.96    133.02    172.35    296.70    102.35    131.29   
Percent full-time employees
Less than 25% 285.61    --    583.78    638.39    786.72    289.72    875.28    276.56   
25-49 % 232.37    794.34    714.27    298.62    547.95    301.06    466.11    257.85   
50-74 % 143.73    332.08    521.36    363.13    418.28    156.15    245.27    159.44   
75% or more 39.14    222.70    169.31    123.26    106.03    45.65    105.41    41.60   
Union presence
No union employees 40.55    187.31    160.90    116.02    103.95    48.80    94.31    44.09   
Has union employees 76.71    400.87    516.87    314.45    351.84    77.69    294.39    78.60   
Percent low-wage employees
50% or more low-wage 138.63    598.89    687.42    337.41    393.53    167.87    344.62    148.31   
Less than 50% low-wage 38.15    205.22    160.05    118.92    105.05    44.45    99.98    40.80   
Percent women employees
Less than 25% 77.53    348.33    219.77    169.81    180.24    92.46    144.71    87.33   
25-49 % 68.23    285.44    371.81    227.59    174.54    79.47    195.64    71.48   
50-74 % 71.45    385.72    399.90    282.45    250.35    76.75    242.49    74.50   
75% or more 76.03    446.98    347.58    292.14    190.78    87.23    209.66    79.09   
Percent age 50 or older employees
Less than 25% 62.34    278.56    222.25    154.53    162.26    71.91    140.36    68.96   
25-49 % 52.11    405.22    280.37    184.81    157.63    57.57    181.70    53.87   
50-74 % 93.82    403.80    389.67    295.55    226.31    124.45    219.04    102.46   
75% or more 289.02    619.62    655.46    1,054.87    617.44    302.14    437.32    340.37   

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.

* 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.