Table 4. Fee-for-service plans: Type and amount of annual family deductible,(1) private industry workers, National Compensation Survey, 2008 (All workers participating in fee-for-service plans = 100 percent) Fixed deductible Variable deductible With Other With no Not Characteristic Total deductib- With With Median deductible amount deductib- deductib- determin- le fixed Median variable le le able deductib- deductib- deductib- le le amount le In-netwo- Out-of- Point-of- rk network service All workers............................. 100 88 37 $1,000 51 $1,000 $2,000 – 1 10 2 Worker characteristic Management, professional, and related... 100 89 34 – 55 1,000 2,000 $600 – 10 1 Management, business, and financial... 100 90 33 1,000 56 1,000 1,800 – – 10 (2) Professional and related.............. 100 89 35 1,500 54 1,000 2,000 500 – 10 1 Service................................. 100 76 36 1,000 38 1,000 2,000 – – 16 – Sales and office........................ 100 87 36 1,500 51 1,000 2,000 1,500 – 11 1 Sales and related..................... 100 93 36 1,500 56 1,000 2,000 1,500 – 7 – Office and administrative support..... 100 85 36 1,500 48 1,000 1,800 – – 13 2 Natural resources, construction, and maintenance............................. 100 90 42 900 47 – – – – 9 1 Construction, extraction, farming, fishing, and forestry................. 100 87 49 900 38 – – 4,000 – – – Installation, maintenance, and repair 100 92 35 800 56 – 2,000 – – – – Production, transportation, and material moving.................................. 100 93 39 900 54 990 2,000 2,000 – 7 (2) Production............................ 100 92 39 1,000 53 800 1,500 – – 7 – Transportation and material moving.... 100 94 39 900 55 1,000 2,000 2,000 – 6 – Full time............................... 100 89 37 1,000 51 1,000 2,000 – 1 10 2 Part time............................... 100 77 29 – 48 1,000 1,600 – – – – Union................................... 100 86 42 600 43 600 1,200 600 – 11 3 Nonunion................................ 100 88 36 1,500 52 1,000 2,000 – 1 10 1 Average wage within the following percentiles:(3) Less than 10.......................... 100 82 – 1,000 57 1,000 – – – – – 10 to under 25........................ 100 76 32 – 43 1,000 2,000 – – – – 25 to under 50........................ 100 89 38 1,500 50 1,000 2,000 – 1 9 2 50 to under 75........................ 100 89 36 – 53 1,000 1,750 1,500 – 10 1 75 to under 90........................ 100 90 40 900 49 800 1,500 600 1 10 1 90 or greater......................... 100 90 35 – 54 1,000 1,500 – – 10 1 Establishment characteristic Goods-producing industries.............. 100 91 38 900 53 1,000 1,600 2,000 – 8 1 Construction.......................... 100 85 43 900 42 1,500 – – – 14 – Manufacturing......................... 100 93 36 1,000 56 900 1,500 2,000 – 7 (2) Service-providing industries............ 100 87 36 1,400 50 1,000 2,000 – 1 11 2 Trade, transportation, and utilities.. 100 90 37 – 53 1,000 2,000 1,500 – 9 1 Wholesale trade..................... 100 93 41 – 52 1,000 2,000 – – 6 – Retail trade........................ 100 89 36 1,500 53 1,500 3,000 – – 10 1 Transportation and warehousing...... 100 89 33 – 56 750 1,500 – – – – Utilities........................... 100 98 52 – 45 – – – – – – Information........................... 100 88 27 900 61 600 1,500 600 – 12 – Financial activities.................. 100 89 41 1,500 45 1,000 1,500 – – 11 (2) Finance and insurance............... 100 87 39 2,000 44 900 1,500 – – 13 (2) Credit intermediation and related activities........................ 100 85 36 – 45 900 1,500 – – 15 – Insurance carriers and related activities........................ 100 88 45 2,000 40 – 1,500 2,200 – – – Real estate and rental and leasing.. 100 94 49 – 46 – – – – – – Professional and business services.... 100 86 45 1,500 40 – 1,500 – – – – Professional and technical services 100 92 43 1,500 48 – – – – – – Administrative and waste services... 100 67 36 – 30 – – – – – – Education and health services......... 100 82 21 – 61 1,000 2,000 600 – 15 – Educational services................ 100 88 24 1,000 63 750 1,800 800 – 12 – Junior colleges, colleges, and universities...................... 100 87 22 – 63 750 1,500 800 – 13 – Health care and social assistance... 100 81 21 – 60 1,000 2,000 500 – – – Leisure and hospitality............... 100 88 48 – 37 900 1,800 – – – – Accommodation and food services..... 100 87 49 – 33 750 – – – – – Other services........................ 100 92 46 – 45 1,000 2,000 – – – – 1 to 99 workers......................... 100 88 41 1,500 47 1,500 2,200 – – 10 2 1 to 49 workers....................... 100 88 38 1,500 49 1,500 2,400 – – 10 2 50 to 99 workers...................... 100 89 47 1,000 41 – 2,000 – – 10 – 100 workers or more..................... 100 88 33 1,000 54 900 1,500 800 1 10 2 100 to 499 workers.................... 100 93 33 – 59 1,000 1,800 – – 6 1 500 workers or more................... 100 82 34 900 47 700 1,500 750 – 16 2 Geographic area New England............................. 100 89 – 900 69 – 1,500 – – 11 – Middle Atlantic......................... 100 86 30 1,200 56 600 1,500 1,050 – 12 1 East North Central...................... 100 86 31 1,000 55 1,000 2,000 2,000 – 9 – West North Central...................... 100 91 44 1,000 47 1,000 2,000 – – – – South Atlantic.......................... 100 90 38 – 52 1,000 2,000 – – 8 2 East South Central...................... 100 93 41 900 52 1,000 2,000 – – – – West South Central...................... 100 91 38 1,500 52 1,000 2,000 – – 9 (2) Mountain................................ 100 86 42 1,500 41 – – – – – – Pacific................................. 100 85 44 900 40 900 – – – – – 1 The deductible is the amount of covered expenses that an individual or family must pay before any charges are paid by the medical care plan. Deductibles that apply separately to a specific category of expenses, such as deductible for each hospital admission, were excluded. 2 Less than 0.5 percent. 3 The percentile groupings are based on the average wage for each occupation surveyed, which may include workers both above and below the threshold. The percentile values are based on the estimates published in the "National Compensation Survey: Occupational Earnings in the United States, 2007." See Technical Note for more details. NOTE: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were reported or that data do not meet publication criteria. For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.