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, 2020
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 4,594    4,954    5,101    5,094    4,706    4,375    5,098    4,516   
Industry group **
Agric., fish., forest. 4,100    4,575    --    5,006    4,579    2,920    5,277    3,830   
Mining and manufacturing 4,481    4,840    4,855    5,141    4,582    4,208    5,031    4,420   
Construction 4,931    4,845    5,034    5,279    5,263    4,085    5,250    4,744   
Utilities and transp. 4,322    5,234    5,481    4,455    4,495    4,144    5,233    4,217   
Wholesale trade 4,478    4,078    5,421    4,829    4,513    4,169    4,890    4,385   
Fin. svs. and real estate 4,461    5,218    4,602    5,469    4,607    4,276    5,060    4,410   
Retail trade 4,747    5,420    5,071    5,003    5,394    4,462    5,074    4,700   
Professional services 4,618    4,982    5,197    5,082    4,558    4,490    5,145    4,541   
Other services 4,699    4,986    5,074    5,131    4,803    4,527    5,020    4,646   
Ownership
For profit, incorporated 4,607    4,951    5,127    5,163    4,772    4,360    5,122    4,521   
For profit, unincorporated 4,748    5,130    4,965    5,145    4,831    4,508    5,145    4,674   
Nonprofit 4,427    4,612    5,100    4,674    4,416    4,352    4,853    4,390   
Age of firm
Less than 5 years 4,972    5,266    5,449    5,147    4,354    4,866    5,422    4,590   
5-9 years 5,167    5,299    5,863    5,304    4,717    4,258    5,538    4,870   
10-19 years 4,801    5,161    5,016    5,013    4,922    4,241    5,100    4,670   
20 or more years 4,532    4,651    4,931    5,085    4,674    4,381    4,957    4,490   
Multi/single status
2 or more locations 4,470    6,591    5,090    5,085    4,666    4,382    5,012    4,460   
1 location only 4,932    4,934    5,102    5,097    4,772    4,015    5,108    4,789   
Percent full-time employees
Less than 25% 4,652    4,531    5,390    5,942    5,308    4,027    5,085    4,605   
25-49 % 4,743    5,337    4,929    4,921    4,964    4,564    4,771    4,739   
50-74 % 4,598    5,313    4,914    4,976    4,742    4,447    5,154    4,531   
75% or more 4,586    4,883    5,121    5,094    4,683    4,362    5,105    4,503   
Union presence
No union employees 4,630    4,985    5,128    5,125    4,706    4,370    5,116    4,540   
Has union employees 4,410    3,101    4,132    4,390    4,703    4,389    4,376    4,411   
Percent low-wage employees
50% or more low-wage 4,695    5,203    4,501    5,214    5,021    4,509    5,143    4,656   
Less than 50% low-wage 4,582    4,935    5,129    5,084    4,672    4,356    5,095    4,498   
Percent women employees
Less than 25% 4,754    5,050    5,082    5,020    4,898    4,388    5,122    4,639   
25-49 % 4,502    4,841    5,025    5,310    4,645    4,305    5,140    4,436   
50-74 % 4,494    4,976    5,179    5,182    4,475    4,350    5,084    4,434   
75% or more 4,681    4,912    5,130    4,955    4,846    4,511    5,019    4,631   
Percent age 50 or older employees
Less than 25% 4,663    5,234    5,101    4,951    4,868    4,334    5,175    4,543   
25-49 % 4,527    4,772    5,065    5,184    4,546    4,396    5,048    4,483   
50-74 % 4,680    4,870    5,270    5,322    4,781    4,357    5,158    4,577   
75% or more 4,709    4,525    4,827    5,218    4,940    4,339    4,614    4,771   

Source: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends. 2020 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.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, 2020
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 25.29    132.31    94.02    70.01    54.57    33.40    58.11    27.76   
Industry group **
Agric., fish., forest. 364.34    753.32    --    409.82    470.88    235.28    543.19    375.97   
Mining and manufacturing 69.44    626.47    336.88    175.48    144.06    89.56    167.48    74.53   
Construction 123.47    302.50    294.29    185.49    245.32    242.84    167.53    165.08   
Utilities and transp. 108.13    556.40    382.53    353.09    214.18    139.12    240.89    116.22   
Wholesale trade 95.27    475.77    243.08    241.16    196.09    124.85    223.92    104.71   
Fin. svs. and real estate 66.88    347.65    261.85    283.17    154.89    72.84    212.65    69.68   
Retail trade 73.94    405.25    274.23    257.54    210.92    74.60    185.86    80.85   
Professional services 49.33    230.71    175.21    129.72    85.32    70.53    107.20    54.09   
Other services 61.22    287.33    246.54    159.75    142.88    78.05    140.67    66.87   
Ownership
For profit, incorporated 29.73    157.18    110.84    85.13    67.57    37.71    68.27    32.67   
For profit, unincorporated 67.62    324.12    212.77    174.45    165.39    81.11    151.93    74.74   
Nonprofit 67.70    305.47    285.72    167.70    105.65    98.99    149.02    72.31   
Age of firm
Less than 5 years 171.54    255.19    318.76    337.14    290.50    294.39    222.84    244.25   
5-9 years 138.24    447.48    234.23    208.90    200.92    667.64    199.16    186.11   
10-19 years 88.13    263.41    204.73    176.96    165.05    162.32    114.20    116.76   
20 or more years 27.13    176.98    118.18    80.47    59.27    34.26    74.66    28.85   
Multi/single status
2 or more locations 29.36    723.82    226.42    114.61    67.81    33.78    171.24    29.73   
1 location only 49.51    132.72    100.73    85.13    92.91    221.47    61.71    74.53   
Percent full-time employees
Less than 25% 259.69    571.39    583.03    453.78    234.18    253.53    346.97    284.39   
25-49 % 95.85    325.09    323.05    325.37    170.09    126.32    327.91    98.63   
50-74 % 68.05    281.18    259.65    277.18    165.25    81.96    162.02    73.33   
75% or more 28.22    150.94    104.08    73.69    60.57    37.72    63.44    31.05   
Union presence
No union employees 27.68    133.70    95.33    71.41    56.84    38.38    58.98    30.89   
Has union employees 62.53    107.72    398.47    307.16    200.81    67.85    283.93    63.54   
Percent low-wage employees
50% or more low-wage 77.34    440.83    339.56    174.12    129.40    104.28    192.26    82.12   
Less than 50% low-wage 26.67    137.81    96.65    74.50    58.96    34.90    60.68    29.38   
Percent women employees
Less than 25% 49.13    198.29    146.73    99.24    119.60    67.24    85.36    58.39   
25-49 % 51.35    326.76    198.76    175.18    116.77    61.44    147.78    54.35   
50-74 % 44.23    302.27    225.35    180.87    90.01    52.35    142.47    46.33   
75% or more 61.07    216.47    210.54    144.29    102.25    90.29    118.17    67.75   
Percent age 50 or older employees
Less than 25% 42.31    171.36    149.12    98.11    93.80    57.41    85.16    47.72   
25-49 % 35.36    299.05    156.66    117.65    77.09    43.19    102.77    37.36   
50-74 % 80.71    289.38    209.88    200.07    116.10    128.69    141.38    92.47   
75% or more 161.69    377.66    205.14    373.26    438.68    171.70    235.49    215.74   

Source: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends. 2020 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.