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, 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 3,722    4,804    4,829    4,609    4,056    3,392    4,666    3,609   
Industry group **
Agric., fish., forest. 3,149 * --    --    --    4,000    1,294    7,376 * 2,000   
Mining and manufacturing 3,336    --    4,583    4,638    3,766    2,985    4,169    3,282   
Construction 4,032    3,198    5,577    4,446    4,138    3,091    4,499    3,778   
Utilities and transp. 3,242    4,118    3,098    4,284    3,517    3,064    3,997    3,203   
Wholesale trade 4,332    6,688    5,402    5,028    4,205    3,971    5,464    4,159   
Fin. svs. and real estate 3,717    5,743    4,421    4,921    4,005    3,474    5,001    3,619   
Retail trade 4,280    6,967    5,986    4,982    4,603    3,909    5,763    4,112   
Professional services 3,569    4,941    4,694    4,220    4,029    3,219    4,530    3,446   
Other services 4,109    3,716    4,257    4,454    4,562    3,980    4,101    4,111   
Ownership
For profit, incorporated 3,765    4,873    4,832    4,618    3,989    3,474    4,658    3,653   
For profit, unincorporated 4,094    5,259    5,471    5,294    4,300    3,582    5,336    3,895   
Nonprofit 3,240    3,638    3,611    3,685    4,149    2,904    3,646    3,211   
Age of firm
Less than 5 years 4,815    5,157    4,531    5,265    3,860    5,845    4,991    4,537   
5-9 years 4,893    5,197    5,259    4,799    4,568    5,276    4,869    4,913   
10-19 years 4,057    5,389    4,679    4,240    4,131    3,261    4,658    3,824   
20 or more years 3,624    4,256    4,871    4,606    4,017    3,390    4,555    3,558   
Multi/single status
2 or more locations 3,522    --    3,751    4,573    3,913    3,404    4,429    3,509   
1 location only 4,492    4,768    4,917    4,621    4,338    2,762    4,692    4,315   
Percent full-time employees
Less than 25% 3,930    5,649    5,594    4,634    4,337    3,640    4,955    3,784   
25-49 % 4,134    4,848    4,828    3,957    5,078    3,815    4,354    4,088   
50-74 % 3,989    5,153    5,326    5,368    4,843    3,533    5,270    3,807   
75% or more 3,679    4,693    4,762    4,566    3,974    3,360    4,592    3,573   
Union presence
No union employees 3,885    5,072    4,837    4,684    4,154    3,512    4,770    3,758   
Has union employees 3,068    --    4,700 * 3,404    3,078    3,059    3,213    3,063   
Percent low-wage employees
50% or more low-wage 4,145    3,588    5,787    4,300    5,056    3,901    4,407    4,123   
Less than 50% low-wage 3,697    4,885    4,803    4,622    4,002    3,358    4,677    3,576   
Percent women employees
Less than 25% 3,808    4,517    5,263    4,441    4,120    3,213    4,646    3,621   
25-49 % 3,782    5,759    4,323    5,119    3,584    3,651    4,900    3,696   
50-74 % 3,612    4,366    4,581    4,578    4,214    3,330    4,681    3,525   
75% or more 3,639    5,011    4,608    4,437    4,628    3,164    4,396    3,546   
Percent age 50 or older employees
Less than 25% 3,768    4,625    4,731    4,530    3,938    3,326    4,509    3,609   
25-49 % 3,677    5,276    5,143    4,570    4,167    3,423    4,883    3,603   
50-74 % 3,775    4,301    4,589    5,124    3,910    3,350    4,715    3,616   
75% or more 4,072    5,342    4,245    3,660    4,290 * 3,484    4,765    3,788   

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.

* Figure does not meet standard of reliability or precision.

-- 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, 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 51.60    277.09    181.59    132.97    113.80    67.90    126.16    55.79   
Industry group **
Agric., fish., forest. 1,123.89 * --    --    --    728.19    261.60    2,300.85 * 570.41   
Mining and manufacturing 109.00    --    459.16    299.20    317.51    104.48    247.23    114.66   
Construction 209.98    848.83    603.40    421.54    385.16    291.33    407.19    235.32   
Utilities and transp. 165.64    529.96    535.65    546.55    448.17    178.36    370.05    171.19   
Wholesale trade 235.89    753.88    553.76    438.62    331.59    386.36    462.03    266.34   
Fin. svs. and real estate 100.79    1,117.03    548.82    363.40    207.30    113.26    434.04    101.73   
Retail trade 236.39    931.46    653.08    433.63    859.22    259.86    488.71    251.19   
Professional services 68.49    377.81    306.07    235.47    157.70    81.77    199.80    71.90   
Other services 209.17    348.90    336.16    205.14    316.71    305.53    196.53    237.53   
Ownership
For profit, incorporated 65.23    343.73    212.81    162.85    144.99    86.35    153.27    70.98   
For profit, unincorporated 128.48    548.28    378.06    301.41    269.86    162.86    259.08    138.46   
Nonprofit 91.44    474.00    568.95    263.00    217.48    102.89    290.36    95.55   
Age of firm
Less than 5 years 350.72    402.43    691.99    658.21    619.88    606.73    494.18    430.21   
5-9 years 242.81    674.80    470.57    367.46    533.39    461.34    314.78    357.16   
10-19 years 161.71    648.28    393.06    280.03    365.74    214.34    287.51    189.60   
20 or more years 56.60    369.07    231.24    156.00    122.03    70.53    151.83    59.74   
Multi/single status
2 or more locations 60.26    --    379.99    246.37    142.32    68.98    312.56    60.96   
1 location only 94.93    280.09    192.80    157.58    185.22    235.02    136.23    132.36   
Percent full-time employees
Less than 25% 177.85    949.36    1,183.80    681.28    368.72    172.15    588.38    167.16   
25-49 % 177.52    590.87    1,120.58    365.80    459.65    205.76    458.90    191.15   
50-74 % 183.78    740.54    676.59    769.76    461.03    200.85    555.71    189.16   
75% or more 55.91    313.08    192.75    132.98    118.34    75.22    128.82    60.69   
Union presence
No union employees 59.16    267.69    172.51    134.61    119.75    84.15    122.23    65.38   
Has union employees 91.81    --    1,478.37 * 595.34    324.98    96.17    710.63    91.43   
Percent low-wage employees
50% or more low-wage 155.01    408.21    643.68    416.51    433.89    168.24    311.31    166.10   
Less than 50% low-wage 53.98    294.56    185.62    137.35    116.72    71.76    131.05    58.47   
Percent women employees
Less than 25% 93.74    516.61    302.01    179.16    235.24    107.93    192.52    104.07   
25-49 % 120.23    517.49    298.62    352.61    202.94    155.99    311.39    127.62   
50-74 % 76.09    406.83    402.83    278.31    167.83    88.63    262.45    78.57   
75% or more 92.45    567.17    396.25    309.00    235.47    95.40    267.57    97.57   
Percent age 50 or older employees
Less than 25% 75.75    424.70    246.31    213.58    182.72    90.25    191.21    80.23   
25-49 % 78.39    624.92    360.21    186.26    171.15    97.20    222.12    82.23   
50-74 % 110.48    287.69    383.97    376.19    216.80    139.64    266.75    119.33   
75% or more 384.02    954.06    664.42    446.16    1,315.55 * 311.30    600.31    479.75   

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.

* Figure does not meet standard of reliability or precision.

-- 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.