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, 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 8,867    9,335    9,795    10,072    9,032    8,593    9,785    8,769   
Industry group **
Agric., fish., forest. 8,877    12,864    --    12,010    8,188    5,662    12,168    8,307   
Mining and manufacturing 8,434    9,974    7,499    9,732    8,906    8,117    8,694    8,417   
Construction 9,486    8,753    9,416    10,859    9,430    8,360    10,214    9,155   
Utilities and transp. 8,178    --    9,480    8,602    9,090    7,894    8,657    8,152   
Wholesale trade 9,226    10,157    10,459    9,611    9,249    8,991    9,794    9,142   
Fin. svs. and real estate 8,747    7,864    9,615    10,047    9,204    8,550    9,364    8,698   
Retail trade 9,258    10,554    10,436    10,277    8,095    9,362    10,055    9,188   
Professional services 8,870    10,192    10,337    10,097    8,953    8,599    10,399    8,714   
Other services 9,290    8,615    9,805    9,751    9,646    9,163    9,136    9,310   
Ownership
For profit, incorporated 8,889    9,426    9,708    10,296    8,970    8,608    9,845    8,781   
For profit, unincorporated 9,316    9,903    10,499    9,788    9,209    9,132    10,174    9,190   
Nonprofit 8,477    7,739    9,272    8,994    9,154    8,234    8,731    8,463   
Age of firm
Less than 5 years 10,376    10,466    9,743    11,309    9,181    10,467    10,759    9,828   
5-9 years 9,845    9,910    10,075    10,906    9,142    9,242    10,244    9,562   
10-19 years 9,005    9,935    11,034    9,973    8,538    8,012    10,042    8,656   
20 or more years 8,790    8,446    9,220    9,838    9,123    8,614    9,358    8,754   
Multi/single status
2 or more locations 8,694    --    8,662    9,384    8,930    8,623    8,942    8,691   
1 location only 9,562    9,293    9,906    10,283    9,238    7,223    9,884    9,315   
Percent full-time employees
Less than 25% 7,658    --    9,852    9,659    9,483    7,177    9,867    7,440   
25-49 % 9,578    9,404    8,824    10,823    10,649    9,131    10,251    9,463   
50-74 % 9,490    10,940    10,271    10,929    9,235    9,298    10,719    9,356   
75% or more 8,797    8,956    9,779    9,982    8,983    8,516    9,655    8,707   
Union presence
No union employees 8,928    9,522    10,046    10,064    9,052    8,580    9,857    8,807   
Has union employees 8,641    5,326    --    10,186    8,834    8,626    8,686    8,640   
Percent low-wage employees
50% or more low-wage 9,326    9,864    10,636    9,751    10,145    9,043    10,103    9,262   
Less than 50% low-wage 8,840    9,296    9,768    10,084    8,974    8,564    9,771    8,739   
Percent women employees
Less than 25% 8,960    9,262    9,636    10,058    9,298    8,317    9,708    8,804   
25-49 % 8,798    8,987    9,176    10,194    8,449    8,761    9,636    8,740   
50-74 % 8,661    9,466    10,421    9,680    9,066    8,403    9,812    8,576   
75% or more 9,188    9,738    10,370    10,408    9,668    8,870    10,220    9,092   
Percent age 50 or older employees
Less than 25% 8,758    10,274    9,598    9,835    8,744    8,336    9,925    8,542   
25-49 % 8,940    10,023    10,238    10,353    9,189    8,714    10,224    8,869   
50-74 % 8,723    7,575    9,762    10,028    9,073    8,373    8,892    8,697   
75% or more 9,305    8,241    7,802    10,091    9,716    9,498    8,608    9,598   

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.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, 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 68.81    387.58    268.75    177.69    150.90    88.15    177.47    73.54   
Industry group **
Agric., fish., forest. 1,285.41    1,019.24    --    504.65    760.83    310.45    1,126.03    1,510.78   
Mining and manufacturing 153.81    1,327.94    752.36    396.84    372.55    177.29    462.46    161.04   
Construction 255.59    741.02    1,029.65    519.94    404.86    320.83    573.27    249.35   
Utilities and transp. 334.91    --    1,544.96    759.50    619.51    401.90    835.38    349.24   
Wholesale trade 254.46    739.84    754.39    581.53    403.27    390.44    564.61    282.15   
Fin. svs. and real estate 156.65    1,183.67    560.27    575.04    293.54    188.10    707.60    159.42   
Retail trade 258.09    1,201.41    630.80    407.88    856.96    203.15    411.32    276.40   
Professional services 121.45    544.03    453.66    360.65    245.37    153.17    289.68    127.79   
Other services 222.55    581.40    650.78    386.34    399.12    308.86    351.59    247.22   
Ownership
For profit, incorporated 85.72    501.08    324.58    210.44    193.26    109.22    216.68    91.92   
For profit, unincorporated 152.16    561.86    561.21    377.68    354.08    199.52    342.70    164.95   
Nonprofit 160.21    773.07    775.94    482.38    290.15    201.45    433.62    167.60   
Age of firm
Less than 5 years 486.35    983.77    1,247.17    582.97    1,171.96    762.84    637.89    702.08   
5-9 years 315.41    606.46    638.08    492.12    622.38    861.72    394.17    449.36   
10-19 years 268.47    678.26    515.17    463.78    514.36    421.96    374.44    324.60   
20 or more years 73.19    579.04    301.61    200.49    150.83    90.52    223.87    76.54   
Multi/single status
2 or more locations 78.84    --    600.14    318.88    190.53    89.35    380.96    79.70   
1 location only 136.17    389.88    287.60    206.50    247.32    450.92    192.25    189.62   
Percent full-time employees
Less than 25% 455.95    --    1,137.22    721.92    672.65    398.32    654.43    431.31   
25-49 % 260.98    1,758.37    981.68    840.90    560.07    291.82    903.24    255.88   
50-74 % 204.17    749.82    876.95    421.51    380.52    254.24    461.11    216.96   
75% or more 75.29    414.83    292.91    195.24    162.40    97.33    194.04    80.57   
Union presence
No union employees 77.88    402.08    248.89    179.01    161.52    105.99    173.63    84.83   
Has union employees 151.71    695.22    --    899.90    394.66    164.07    1,219.58    152.10   
Percent low-wage employees
50% or more low-wage 207.83    1,121.30    1,080.71    695.89    401.84    247.99    537.41    219.18   
Less than 50% low-wage 71.92    406.75    275.01    182.34    156.60    92.62    183.91    76.95   
Percent women employees
Less than 25% 135.42    743.66    463.06    272.46    256.33    188.08    283.92    151.77   
25-49 % 144.75    598.56    466.20    405.18    313.25    177.93    368.81    152.53   
50-74 % 106.87    732.99    465.72    330.19    232.97    126.94    339.35    110.99   
75% or more 170.71    784.70    677.81    424.00    315.22    215.40    456.17    179.51   
Percent age 50 or older employees
Less than 25% 129.29    437.86    442.97    285.82    294.48    173.16    269.83    140.46   
25-49 % 91.16    628.81    395.50    259.00    187.23    111.10    252.74    95.07   
50-74 % 204.73    824.34    499.58    434.53    383.17    286.50    449.56    226.02   
75% or more 460.44    964.66    1,188.40    702.93    1,343.08    604.48    689.41    574.03   

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.