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, 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 3,655    4,966    5,124    4,676    4,035    3,173    5,067    3,452   
Industry group **
Agric., fish., forest. 3,814    3,748    --    4,432    3,046    3,792    5,494    3,432   
Mining and manufacturing 3,348    3,893    5,401    4,334    3,729    2,917    5,193    3,235   
Construction 4,729    4,856    6,293    5,088    4,573    3,377    5,555    4,325   
Utilities and transp. 3,119    --    5,135    3,965    3,821    2,846    4,839    3,011   
Wholesale trade 3,894    5,668    6,162    4,625    4,209    2,993    5,625    3,465   
Fin. svs. and real estate 3,549    3,992    4,866    4,239    3,948    3,313    4,258    3,475   
Retail trade 4,224    4,378    4,870    5,157    4,756    3,936    4,884    4,139   
Professional services 3,578    5,589    4,234    4,789    4,065    3,118    4,915    3,389   
Other services 3,708    5,158    5,115    4,655    3,976    3,157    5,169    3,413   
Ownership
For profit, incorporated 3,747    4,875    5,376    4,799    4,129    3,269    5,199    3,537   
For profit, unincorporated 3,663    4,875    4,759    4,816    3,728    3,037    4,977    3,373   
Nonprofit 3,234    5,766    3,570    3,674    3,943    2,848    4,269    3,148   
Age of firm
Less than 5 years 5,111    5,332    5,432    5,172    4,816    5,143    5,198    5,040   
5-9 years 4,486    5,379    3,888    4,433    4,488    4,332    4,620    4,384   
10-19 years 4,230    5,018    5,385    4,598    4,031    3,372    5,363    3,736   
20 or more years 3,498    4,730    5,216    4,673    3,931    3,147    5,020    3,365   
Multi/single status
2 or more locations 3,343    --    5,570    4,765    3,830    3,169    5,278    3,308   
1 location only 4,584    5,023    5,077    4,647    4,323    3,322    5,042    4,215   
Percent full-time employees
Less than 25% 3,777    --    4,689    5,122    3,604    3,257    5,557    3,349   
25-49 % 4,451    6,329    5,357    4,321    4,615    4,222    5,601    4,252   
50-74 % 3,906    4,766    4,603    5,138    4,652    3,236    4,761    3,734   
75% or more 3,604    4,925    5,176    4,652    3,967    3,129    5,067    3,404   
Union presence
No union employees 3,808    5,048    5,208    4,771    4,082    3,235    5,158    3,563   
Has union employees 3,146    --    3,646    3,521    3,753    3,035    3,606    3,131   
Percent low-wage employees
50% or more low-wage 4,339    4,852    5,213    5,077    4,706    4,113    5,339    4,236   
Less than 50% low-wage 3,599    4,975    5,121    4,654    3,987    3,084    5,051    3,385   
Percent women employees
Less than 25% 3,935    4,753    5,480    4,802    4,206    3,234    5,249    3,645   
25-49 % 3,407    5,610    5,093    4,216    3,766    3,053    4,996    3,259   
50-74 % 3,666    4,969    4,899    4,788    4,019    3,275    5,045    3,476   
75% or more 3,618    4,774    4,569    4,851    4,263    3,162    4,692    3,483   
Percent age 50 or older employees
Less than 25% 4,056    5,040    5,238    4,870    4,293    3,480    5,171    3,810   
25-49 % 3,399    4,660    4,734    4,637    3,982    3,045    4,879    3,275   
50-74 % 3,629    5,035    6,149    4,358    3,624    3,053    5,252    3,349   
75% or more 4,045    5,152    3,841    3,865    2,822    3,831    4,844    3,399   

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.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, 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 47.81    228.61    203.37    118.60    90.96    61.93    112.82    51.18   
Industry group **
Agric., fish., forest. 402.43    687.72    --    791.34    535.47    491.70    930.61    396.46   
Mining and manufacturing 123.06    996.73    457.67    305.72    182.23    163.97    343.11    125.74   
Construction 191.12    486.14    620.28    326.98    333.12    266.79    316.83    232.61   
Utilities and transp. 146.09    --    494.48    520.36    365.77    163.95    406.93    148.73   
Wholesale trade 178.10    1,276.35    511.99    373.81    283.87    235.32    395.77    178.90   
Fin. svs. and real estate 104.92    397.25    1,043.65    320.01    278.37    101.04    424.45    107.17   
Retail trade 161.39    613.67    452.53    332.64    403.22    219.44    291.63    179.28   
Professional services 90.62    370.89    303.57    256.77    162.79    120.97    186.48    98.85   
Other services 155.34    535.04    411.67    315.12    302.51    195.44    279.67    163.69   
Ownership
For profit, incorporated 56.90    269.32    201.03    135.73    110.86    73.49    124.77    61.18   
For profit, unincorporated 157.64    443.08    665.98    339.29    215.39    227.60    299.08    170.92   
Nonprofit 97.92    909.17    518.14    303.93    221.58    110.81    395.74    100.27   
Age of firm
Less than 5 years 235.66    519.93    636.87    637.40    311.13    537.32    363.75    310.42   
5-9 years 247.53    694.10    320.98    318.43    552.94    481.89    306.21    368.97   
10-19 years 152.93    506.57    333.89    294.48    239.30    300.91    235.62    181.44   
20 or more years 50.45    309.38    296.54    136.57    93.02    63.23    151.45    52.41   
Multi/single status
2 or more locations 53.47    --    615.97    220.00    94.46    62.50    304.82    53.86   
1 location only 86.60    233.93    214.65    140.79    163.96    404.70    121.26    124.17   
Percent full-time employees
Less than 25% 297.31    --    932.67    1,138.77    442.35    314.25    791.51    237.99   
25-49 % 279.59    1,342.45    878.47    632.09    415.85    428.16    578.40    317.49   
50-74 % 148.70    439.41    335.13    328.41    375.93    168.53    251.26    168.24   
75% or more 51.37    266.20    228.86    127.64    97.48    65.56    126.01    54.64   
Union presence
No union employees 51.58    232.41    208.80    121.10    94.78    69.69    116.02    55.52   
Has union employees 113.31    --    513.74    448.14    296.01    124.18    358.27    116.42   
Percent low-wage employees
50% or more low-wage 151.31    630.79    594.79    429.58    284.59    200.28    406.18    161.97   
Less than 50% low-wage 49.87    242.43    209.75    122.99    95.69    63.84    117.39    53.31   
Percent women employees
Less than 25% 95.72    362.05    303.30    186.74    159.05    154.06    174.03    108.63   
25-49 % 97.42    757.78    512.22    198.72    184.76    118.52    298.10    101.18   
50-74 % 76.04    352.28    425.66    260.15    157.12    87.91    229.89    75.80   
75% or more 108.88    401.22    410.75    352.79    256.13    123.96    221.24    117.83   
Percent age 50 or older employees
Less than 25% 84.36    355.01    294.82    185.65    141.92    121.98    169.08    94.42   
25-49 % 66.30    421.74    345.70    189.17    131.70    80.03    194.44    68.74   
50-74 % 114.30    617.37    503.22    305.35    223.71    130.89    313.60    113.55   
75% or more 237.14    557.10    485.86    334.26    414.35    335.72    382.57    237.33   

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.