Table 9. Fee-for-service plans: Amount of annual family out-of-pocket maximum,(1) private industry workers, National Compensation Survey, 2008 (All workers participating in fee-for-service plans = 100 percent) Amount of out-of-pocket maximum With With no out-of- out-of- Not Characteristic Total pocket 10th 25th 50th 75th 90th pocket determin- maximum percenti- percenti- percenti- percenti- percenti- maximum able le le le le le (median) All workers............................. 100 73 $2,000 $2,500 $4,000 $6,000 $7,200 24 3 Worker characteristic Management, professional, and related... 100 76 1,800 2,250 4,000 5,400 7,200 21 2 Management, business, and financial... 100 78 1,500 2,100 4,000 5,400 7,000 20 1 Professional and related.............. 100 75 2,000 2,250 4,000 5,400 7,200 22 3 Service................................. 100 66 2,000 3,000 4,500 6,000 8,000 25 10 Sales and office........................ 100 74 2,000 3,000 4,000 6,000 7,500 24 2 Sales and related..................... 100 73 2,000 3,000 5,000 6,000 9,000 26 1 Office and administrative support..... 100 74 1,500 2,800 4,000 6,000 7,200 23 3 Natural resources, construction, and maintenance............................. 100 68 2,000 2,500 4,000 6,000 7,200 29 4 Construction, extraction, farming, fishing, and forestry................. 100 66 1,500 2,600 4,000 6,000 7,500 33 2 Installation, maintenance, and repair 100 70 2,000 2,400 3,570 6,000 6,750 25 6 Production, transportation, and material moving.................................. 100 72 2,000 2,500 3,750 5,250 6,000 26 2 Production............................ 100 71 1,800 2,090 3,400 5,000 6,000 27 2 Transportation and material moving.... 100 73 2,000 3,000 4,000 5,500 7,200 26 1 Full time............................... 100 73 2,000 2,500 4,000 6,000 7,200 24 3 Part time............................... 100 68 1,500 2,000 3,500 5,250 7,000 29 3 Union................................... 100 60 1,500 2,350 4,000 5,250 7,200 34 6 Nonunion................................ 100 75 2,000 2,500 4,000 6,000 7,200 22 3 Average wage within the following percentiles:(2) Less than 10.......................... 100 59 2,000 3,000 4,500 5,100 6,000 38 – 10 to under 25........................ 100 70 2,000 3,000 5,000 6,000 10,000 21 9 25 to under 50........................ 100 73 2,000 2,600 4,000 6,000 7,000 24 4 50 to under 75........................ 100 74 2,000 2,550 4,000 6,000 7,200 25 2 75 to under 90........................ 100 74 1,600 2,350 4,000 5,500 7,200 24 2 90 or greater......................... 100 74 1,600 2,000 3,900 5,250 7,000 24 2 Establishment characteristic Goods-producing industries.............. 100 76 2,000 2,250 3,400 5,000 6,000 23 1 Construction.......................... 100 72 1,500 3,000 4,000 6,000 7,500 27 1 Manufacturing......................... 100 76 2,000 2,000 3,100 5,000 6,000 23 1 Service-providing industries............ 100 72 2,000 2,600 4,000 6,000 7,500 24 4 Trade, transportation, and utilities.. 100 74 2,000 3,000 4,500 6,000 8,000 24 2 Wholesale trade..................... 100 73 2,000 3,350 4,500 7,000 9,000 25 2 Retail trade........................ 100 76 2,000 3,000 5,000 6,750 8,000 21 3 Transportation and warehousing...... 100 73 2,000 2,700 4,000 5,500 6,750 27 – Utilities........................... 100 72 1,200 2,000 3,200 4,500 6,000 – – Information........................... 100 75 2,000 2,000 3,900 4,500 8,660 23 2 Financial activities.................. 100 73 1,800 2,500 4,000 5,000 7,000 24 3 Finance and insurance............... 100 72 1,500 2,400 4,000 4,500 6,750 24 4 Credit intermediation and related activities........................ 100 73 1,800 3,000 4,000 5,000 7,500 24 3 Insurance carriers and related activities........................ 100 69 1,300 2,000 3,000 4,400 6,000 24 7 Real estate and rental and leasing.. 100 77 2,000 3,450 5,300 6,000 9,750 – – Professional and business services.... 100 74 1,300 2,000 4,000 6,000 7,500 19 7 Professional and technical services 100 75 700 2,000 3,000 5,550 6,450 – – Administrative and waste services... 100 68 1,500 2,000 3,100 6,000 – 20 – Education and health services......... 100 67 1,800 2,400 4,000 5,000 7,000 30 3 Educational services................ 100 72 1,000 1,875 2,550 4,000 6,750 28 – Junior colleges, colleges, and universities...................... 100 68 1,000 1,750 3,000 4,300 7,500 32 – Health care and social assistance... 100 66 2,000 2,800 4,000 5,300 7,000 30 4 Leisure and hospitality............... 100 65 2,500 3,000 4,500 6,000 7,500 30 – Accommodation and food services..... 100 61 2,600 3,000 4,100 6,000 7,500 34 – Other services........................ 100 75 2,100 3,000 3,000 6,000 7,200 – – 1 to 99 workers......................... 100 73 2,000 3,000 4,000 6,000 7,500 23 4 1 to 49 workers....................... 100 72 2,000 3,000 4,000 6,000 7,500 24 4 50 to 99 workers...................... 100 75 2,000 3,000 3,750 6,000 7,200 21 3 100 workers or more..................... 100 73 1,600 2,400 4,000 5,300 7,000 25 3 100 to 499 workers.................... 100 74 1,600 2,500 4,000 5,700 7,000 24 2 500 workers or more................... 100 71 1,650 2,400 3,600 5,000 7,050 25 4 Geographic area New England............................. 100 57 1,500 2,000 3,000 5,100 6,000 42 1 Middle Atlantic......................... 100 57 2,000 2,250 4,000 5,250 7,200 38 5 East North Central...................... 100 75 1,500 2,100 3,200 5,000 7,050 19 6 West North Central...................... 100 82 1,250 2,000 3,000 4,400 6,000 15 – South Atlantic.......................... 100 73 2,000 3,000 4,000 6,000 7,000 24 4 East South Central...................... 100 84 2,000 3,000 4,000 6,000 7,000 15 1 West South Central...................... 100 79 2,000 3,000 4,500 6,000 9,750 20 – Mountain................................ 100 78 2,000 3,000 4,000 6,000 7,000 22 – Pacific................................. 100 73 1,500 2,400 4,000 6,000 7,500 26 – 1 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a participant or a family must pay after the deductible has been satisfied. Once reached, covered expenses are fully reimbursed for the rest of the year. 2 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.