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, 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 8,534    9,597    9,814    9,553    8,747    8,160    9,777    8,368   
Industry group **
Agric., fish., forest. 9,461    --    10,375    7,785    10,049    10,192    8,170    9,889   
Mining and manufacturing 8,047    8,244    9,919    8,718    8,491    7,652    9,888    7,941   
Construction 9,151    8,636    9,402    9,710    9,532    7,707    9,155    9,149   
Utilities and transp. 8,744    --    11,464    8,055    9,455    8,616    9,834    8,690   
Wholesale trade 8,828    8,895    10,214    9,824    8,577    8,393    9,926    8,574   
Fin. svs. and real estate 8,443    10,910    8,184    9,597    8,514    8,222    9,858    8,304   
Retail trade 8,797    9,206    9,744    10,540    10,103    8,255    9,964    8,645   
Professional services 8,525    9,720    10,514    9,752    8,692    8,144    10,085    8,334   
Other services 8,552    9,686    8,914    9,778    8,224    8,268    9,564    8,338   
Ownership
For profit, incorporated 8,645    9,450    10,007    9,553    8,791    8,316    9,840    8,482   
For profit, unincorporated 8,325    10,193    9,402    10,006    8,719    7,387    10,039    7,982   
Nonprofit 8,238    8,866    8,944    8,871    8,606    8,019    8,860    8,191   
Age of firm
Less than 5 years 9,378    10,499    10,379    9,427    8,770    8,068    9,822    9,003   
5-9 years 9,354    9,922    9,999    9,088    8,936    9,875    9,970    8,907   
10-19 years 9,203    9,075    9,741    9,503    8,739    9,377    9,807    8,927   
20 or more years 8,401    9,496    9,666    9,652    8,731    8,111    9,707    8,298   
Multi/single status
2 or more locations 8,318    8,058    10,182    9,580    8,746    8,170    10,096    8,289   
1 location only 9,203    9,646    9,779    9,544    8,748    7,788    9,740    8,794   
Percent full-time employees
Less than 25% 9,043    8,266    10,410    8,738    9,037    9,073    9,315    8,994   
25-49 % 8,981    10,367    9,991    9,462    9,588    8,543    10,358    8,766   
50-74 % 8,621    9,983    11,404    10,111    8,396    8,072    10,438    8,274   
75% or more 8,502    9,525    9,632    9,533    8,741    8,140    9,681    8,352   
Union presence
No union employees 8,707    9,637    9,909    9,704    8,745    8,294    9,855    8,511   
Has union employees 7,984    --    8,260    7,534    8,758    7,874    8,445    7,971   
Percent low-wage employees
50% or more low-wage 9,156    9,910    10,045    10,036    9,752    8,881    10,074    9,065   
Less than 50% low-wage 8,484    9,566    9,806    9,530    8,683    8,093    9,759    8,310   
Percent women employees
Less than 25% 8,787    9,695    9,760    9,509    9,262    8,133    9,873    8,565   
25-49 % 8,038    9,681    8,890    9,004    8,274    7,764    9,114    7,939   
50-74 % 8,756    9,608    10,668    10,373    8,967    8,372    10,305    8,559   
75% or more 8,690    9,111    9,861    9,633    8,256    8,606    9,598    8,590   
Percent age 50 or older employees
Less than 25% 8,824    9,685    9,906    9,690    8,780    8,441    9,864    8,614   
25-49 % 8,334    9,477    9,478    9,376    8,662    8,080    9,614    8,234   
50-74 % 8,500    9,173    10,523    9,188    9,005    7,806    9,849    8,278   
75% or more 9,553    9,997    9,187    11,698    7,816    8,747    9,817    9,344   

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.

-- 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, 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 65.31    291.35    286.57    158.44    126.38    86.50    156.51    70.07   
Industry group **
Agric., fish., forest. 676.07    --    1,293.06    1,024.51    1,159.89    861.94    1,208.23    713.72   
Mining and manufacturing 207.49    1,329.32    707.88    399.86    294.90    296.57    445.53    215.03   
Construction 255.63    701.93    675.63    547.50    438.84    405.74    485.35    298.72   
Utilities and transp. 231.05    --    793.30    644.40    553.33    270.12    838.59    239.06   
Wholesale trade 186.57    892.18    757.42    501.73    324.94    273.78    450.30    203.68   
Fin. svs. and real estate 145.24    503.67    1,238.02    437.37    284.93    173.43    551.48    147.35   
Retail trade 170.60    1,169.41    767.61    361.99    351.44    193.57    510.17    178.84   
Professional services 111.21    481.79    456.88    306.73    219.63    139.33    266.06    117.49   
Other services 223.43    640.89    733.43    355.44    407.40    326.97    365.05    251.70   
Ownership
For profit, incorporated 72.66    395.79    303.94    194.82    141.62    94.96    185.96    77.57   
For profit, unincorporated 252.98    485.01    902.28    329.02    405.81    367.80    379.18    281.10   
Nonprofit 140.05    627.05    920.83    424.17    308.86    172.97    435.02    146.59   
Age of firm
Less than 5 years 422.99    491.14    931.44    935.21    632.15    424.58    608.65    522.09   
5-9 years 312.83    893.06    562.17    480.37    659.64    553.22    405.41    452.20   
10-19 years 167.19    587.46    503.24    349.17    324.64    308.54    297.26    202.83   
20 or more years 71.69    429.80    418.91    178.95    141.99    89.10    207.07    74.96   
Multi/single status
2 or more locations 75.66    1,270.42    598.86    266.71    140.80    88.34    355.95    76.46   
1 location only 122.73    296.00    308.43    192.71    232.04    374.09    169.64    169.51   
Percent full-time employees
Less than 25% 428.75    1,314.22    875.03    823.31    991.98    604.87    719.56    489.10   
25-49 % 266.91    652.02    911.08    651.00    543.11    382.65    453.69    305.75   
50-74 % 216.96    817.87    466.56    438.79    485.92    261.46    414.63    225.40   
75% or more 70.88    327.66    323.51    173.10    133.22    93.96    175.18    75.87   
Union presence
No union employees 68.82    297.41    289.31    161.33    125.61    96.83    160.40    74.51   
Has union employees 159.23    --    1,491.49    538.55    453.80    171.52    678.98    162.44   
Percent low-wage employees
50% or more low-wage 167.59    1,190.74    678.41    425.07    479.74    181.75    564.95    172.21   
Less than 50% low-wage 69.16    295.34    295.80    164.79    130.51    92.80    162.15    74.41   
Percent women employees
Less than 25% 125.91    539.28    329.01    246.72    209.01    194.73    212.23    143.08   
25-49 % 129.35    702.84    694.51    346.01    217.98    169.22    409.40    135.62   
50-74 % 118.59    432.88    555.12    291.40    259.04    145.23    292.68    124.51   
75% or more 124.94    539.49    745.19    353.57    324.86    146.54    343.10    132.67   
Percent age 50 or older employees
Less than 25% 115.41    492.40    475.23    214.10    205.47    168.59    238.64    126.76   
25-49 % 91.40    500.77    420.33    272.70    180.45    113.68    278.68    95.63   
50-74 % 156.97    604.98    562.40    356.05    373.42    188.42    328.45    170.46   
75% or more 431.74    696.12    935.88    770.85    749.92    502.91    520.86    663.15   

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.

-- 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.