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, 2019
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 4,476    4,933    5,135    5,067    4,561    4,187    5,126    4,352   
Industry group **
Agric., fish., forest. 4,733    5,400    4,312    4,490    5,437    4,319    4,726    4,735   
Mining and manufacturing 4,398    5,131    5,204    5,064    4,256    4,232    5,354    4,292   
Construction 5,033    5,267    5,426    5,268    5,358    3,914    5,344    4,839   
Utilities and transp. 4,522    4,148    4,892    4,773    4,797    4,406    4,723    4,496   
Wholesale trade 4,567    4,906    5,527    5,310    4,378    3,974    5,316    4,311   
Fin. svs. and real estate 4,373    4,704    5,038    5,021    4,516    4,199    5,012    4,290   
Retail trade 4,630    5,496    5,219    5,298    4,946    4,245    5,446    4,481   
Professional services 4,404    4,755    5,324    4,855    4,500    4,157    5,054    4,288   
Other services 4,408    5,006    4,415    5,074    4,503    4,141    4,850    4,315   
Ownership
For profit, incorporated 4,510    5,046    5,093    5,096    4,608    4,235    5,148    4,386   
For profit, unincorporated 4,556    4,737    5,408    5,231    4,558    4,056    5,179    4,378   
Nonprofit 4,265    4,641    5,028    4,644    4,420    4,057    4,863    4,203   
Age of firm
Less than 5 years 5,213    5,290    5,674    5,178    5,174    4,111    5,461    4,974   
5-9 years 4,897    4,548    5,044    5,073    4,760    4,964    5,011    4,817   
10-19 years 4,726    5,099    5,324    4,988    4,582    4,167    5,157    4,477   
20 or more years 4,391    4,833    5,006    5,075    4,503    4,182    5,072    4,310   
Multi/single status
2 or more locations 4,317    4,869    5,126    5,141    4,557    4,193    5,266    4,291   
1 location only 4,851    4,934    5,136    5,044    4,568    3,905    5,108    4,619   
Percent full-time employees
Less than 25% 4,993    5,475    5,477    4,843    5,191    4,827    5,130    4,964   
25-49 % 4,681    5,375    5,174    5,132    5,175    4,339    5,394    4,575   
50-74 % 4,637    4,908    4,918    4,994    4,851    4,356    4,944    4,565   
75% or more 4,436    4,907    5,158    5,075    4,482    4,148    5,137    4,304   
Union presence
No union employees 4,536    4,941    5,173    5,087    4,573    4,202    5,148    4,394   
Has union employees 4,192    4,419    4,330    4,400    4,447    4,146    4,459    4,184   
Percent low-wage employees
50% or more low-wage 4,805    5,568    4,911    5,311    5,144    4,577    5,350    4,752   
Less than 50% low-wage 4,429    4,886    5,147    5,043    4,482    4,119    5,110    4,290   
Percent women employees
Less than 25% 4,663    4,911    5,142    5,131    4,880    4,164    5,184    4,505   
25-49 % 4,363    5,235    5,203    5,091    4,303    4,120    5,253    4,232   
50-74 % 4,433    4,922    5,167    5,129    4,531    4,221    5,060    4,347   
75% or more 4,448    4,692    5,032    4,833    4,533    4,246    4,957    4,349   
Percent age 50 or older employees
Less than 25% 4,564    4,988    5,215    5,109    4,628    4,179    5,188    4,400   
25-49 % 4,379    4,731    5,067    5,007    4,516    4,185    5,018    4,307   
50-74 % 4,589    5,155    5,120    4,969    4,607    4,218    5,202    4,427   
75% or more 4,647    4,763    4,935    5,804    3,669    4,259    4,995    4,289   

Source: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends. 2019 Medical Expenditure Panel Survey-Insurance Component.

Note: Definitions and descriptions of the methods used for this survey can be found in the Technical Appendix.

** 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, 2019
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 28.38    104.32    98.01    56.36    57.55    40.69    53.82    31.61   
Industry group **
Agric., fish., forest. 204.11    755.60    685.29    404.31    360.43    266.92    487.52    223.21   
Mining and manufacturing 85.58    461.64    223.01    156.82    176.31    116.03    151.47    92.36   
Construction 123.15    377.67    226.59    220.55    204.39    264.43    176.00    166.20   
Utilities and transp. 124.80    376.39    587.19    327.71    261.94    171.21    324.17    135.43   
Wholesale trade 80.75    389.24    278.95    169.82    141.00    107.82    174.00    84.48   
Fin. svs. and real estate 67.40    187.55    295.82    226.20    123.51    87.31    148.52    71.99   
Retail trade 68.69    414.22    253.33    156.78    179.28    77.60    165.63    71.31   
Professional services 42.53    180.65    141.95    92.69    93.42    60.68    86.75    47.63   
Other services 105.23    230.46    309.62    133.54    142.82    160.94    150.20    119.31   
Ownership
For profit, incorporated 36.44    128.60    114.67    69.50    75.00    51.62    64.75    40.81   
For profit, unincorporated 68.81    207.58    185.55    118.30    151.50    96.73    117.35    78.22   
Nonprofit 57.88    423.79    353.51    148.71    108.80    76.59    179.76    60.60   
Age of firm
Less than 5 years 144.59    233.99    262.59    290.91    287.50    184.21    190.82    209.01   
5-9 years 101.36    316.93    330.27    149.84    194.24    251.43    172.03    123.53   
10-19 years 131.98    224.91    234.02    123.37    125.42    373.99    118.53    178.35   
20 or more years 29.83    141.22    119.72    68.81    67.68    38.70    66.58    32.16   
Multi/single status
2 or more locations 33.78    445.44    256.83    91.06    55.92    41.45    131.92    34.38   
1 location only 50.61    105.87    105.19    68.26    118.25    206.18    58.42    78.66   
Percent full-time employees
Less than 25% 139.35    464.80    358.68    310.05    246.65    214.45    258.90    160.19   
25-49 % 85.49    346.32    357.76    195.22    149.50    114.68    163.21    93.39   
50-74 % 82.36    280.89    324.72    186.68    164.11    118.80    168.94    93.16   
75% or more 31.89    118.23    106.69    62.17    64.10    45.81    59.97    35.42   
Union presence
No union employees 31.83    105.52    95.87    57.52    60.59    49.19    54.03    36.13   
Has union employees 65.96    561.29    760.27    237.05    199.34    71.40    376.65    67.02   
Percent low-wage employees
50% or more low-wage 54.41    398.95    257.53    167.42    116.73    62.02    176.14    56.45   
Less than 50% low-wage 31.34    107.30    102.24    59.66    62.44    46.13    56.25    35.22   
Percent women employees
Less than 25% 59.91    166.10    168.83    91.88    94.84    110.34    88.97    71.41   
25-49 % 55.53    254.70    171.35    130.51    135.09    70.92    123.01    60.26   
50-74 % 45.38    215.61    229.53    104.06    96.64    57.32    112.95    48.51   
75% or more 70.14    219.88    215.60    120.17    106.98    104.81    118.04    77.96   
Percent age 50 or older employees
Less than 25% 45.58    149.59    142.65    76.21    83.75    70.03    73.59    52.02   
25-49 % 43.79    204.22    189.30    103.05    96.43    56.45    105.10    46.82   
50-74 % 64.50    289.81    187.07    146.18    129.82    95.40    141.76    71.18   
75% or more 139.91    257.84    332.70    240.83    268.51    242.60    189.55    184.28   

Source: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends. 2019 Medical Expenditure Panel Survey-Insurance Component.

Note: Definitions and descriptions of the methods used for this survey can be found in the Technical Appendix.

** 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.