Table 12. Fee-for-service plans: Amount of annual individual out-of-pocket maximum,(1) private industry workers, National Compensation Survey, 2009 (All workers participating in fee-for-service plans = 100 percent) Amount of out-of-pocket maximum With With no Not out-of- out-of- deter- Characteristics Total pocket 10th 25th 50th 75th 90th pocket minab- maximum percenti- percenti- percenti- percenti- percenti- maximum le le le le le le (median) Worker characteristic All workers.............. 100 80 $825 $1,200 $1,900 $2,500 $3,600 19 1 Management, professional, and related.............. 100 80 900 1,200 1,900 2,500 3,400 19 2 Management, business, and financial.......... 100 85 1,000 1,250 2,000 2,500 3,400 13 2 Professional and related................ 100 77 900 1,200 1,750 2,500 3,250 22 1 Service.................. 100 76 750 1,500 2,000 3,000 4,500 24 1 Protective service..... 100 68 1,000 1,500 2,150 3,000 3,500 – – Sales and office......... 100 83 900 1,200 2,000 2,500 3,700 16 1 Sales and related...... 100 83 1,000 1,400 2,000 2,700 4,500 17 (2) Office and administrative support 100 83 800 1,000 1,900 2,500 3,300 16 1 Natural resources, construction, and maintenance.............. 100 76 750 1,000 2,000 2,500 3,500 23 1 Construction, extraction, farming, fishing, and forestry.. 100 76 1,000 1,200 2,000 3,000 4,000 24 – Installation, maintenance, and repair 100 76 750 1,000 1,500 2,500 3,000 23 1 Production, transportation, and material moving.......... 100 79 750 1,000 1,500 2,500 4,000 19 2 Production............. 100 79 700 1,150 1,500 2,500 4,000 19 2 Transportation and material moving........ 100 80 850 1,000 1,500 2,500 3,500 19 2 Full time................ 100 80 825 1,200 1,850 2,500 3,500 19 1 Part time................ 100 78 – – – – – 21 1 Union.................... 100 69 800 1,000 1,500 2,300 3,000 30 1 Nonunion................. 100 82 850 1,200 2,000 2,500 3,650 17 1 Average wage within the following categories:(3) Lowest 25 percent...... 100 80 750 1,250 2,000 3,200 4,500 19 1 Second 25 percent...... 100 80 750 1,000 1,750 2,500 3,500 18 2 Third 25 percent....... 100 81 800 1,000 1,600 2,500 3,500 18 1 Highest 25 percent..... 100 78 1,000 1,250 2,000 2,500 3,500 21 1 Highest 10 percent... 100 78 1,000 1,250 2,000 2,500 3,500 22 1 Establishment characteristic Goods-producing industries............... 100 82 850 1,000 1,700 2,500 4,000 17 1 Construction........... 100 85 1,000 1,150 2,000 3,000 5,000 15 – Manufacturing.......... 100 81 750 1,000 1,600 2,500 3,700 18 1 Service-providing industries............... 100 79 800 1,200 1,900 2,500 3,500 19 1 Trade, transportation, and utilities.......... 100 83 1,000 1,200 1,750 2,500 3,650 16 1 Retail trade......... 100 85 1,000 1,250 1,800 2,500 4,000 15 – Transportation and warehousing.......... 100 76 1,000 1,250 1,500 3,000 3,600 24 – Information............ 100 85 850 1,400 2,000 2,500 3,500 13 2 Financial activities... 100 78 950 1,375 2,000 2,500 3,700 20 2 Finance and insurance 100 77 900 1,200 2,000 2,500 3,500 21 2 Credit intermediation and related activities 100 80 1,000 1,375 2,000 3,000 3,700 20 (2) Insurance carriers and related activities......... 100 76 900 1,000 1,900 2,500 3,500 19 5 Professional and business services...... 100 78 900 1,250 2,000 2,500 3,400 21 1 Professional and technical services... 100 78 1,000 1,500 2,000 2,500 3,400 22 – Education and health services............... 100 75 750 1,000 1,500 2,000 3,000 23 2 Educational services 100 79 750 1,000 1,500 2,500 4,000 21 – Junior colleges, colleges, and universities....... 100 75 800 1,000 1,500 2,500 2,750 25 – Health care and social assistance.... 100 74 750 1,000 1,500 2,000 3,000 24 2 1 to 99 workers.......... 100 80 800 1,200 2,000 2,500 4,000 19 1 1 to 49 workers........ 100 79 1,000 1,200 2,000 2,500 4,000 20 1 50 to 99 workers....... 100 82 750 1,000 2,000 2,750 3,800 17 1 100 workers or more...... 100 80 850 1,200 1,750 2,500 3,500 19 1 100 to 499 workers..... 100 83 750 1,250 1,750 2,500 3,500 17 1 500 workers or more.... 100 77 900 1,100 1,700 2,500 4,000 22 2 Geographic area New England.............. 100 60 1,000 1,350 2,300 2,900 4,000 40 1 Middle Atlantic.......... 100 56 750 1,000 1,500 2,500 3,300 42 2 East North Central....... 100 86 800 1,000 1,500 2,500 3,800 12 2 West North Central....... 100 85 500 1,000 1,600 2,300 3,000 – – South Atlantic........... 100 83 1,000 1,400 2,000 2,700 4,000 15 2 East South Central....... 100 88 600 1,000 1,500 2,250 3,500 11 1 West South Central....... 100 87 1,000 1,200 2,000 3,000 4,000 12 1 Mountain................. 100 77 1,000 1,500 2,000 2,800 4,000 20 3 Pacific.................. 100 89 900 1,250 2,000 2,500 3,600 11 (2) 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 Less than 0.5 percent. 3 The categories are based on the average wage for each occupation surveyed, which may include workers both above and below the threshold. The average wages are based on the estimates published in the "National Compensation Survey: Occupational Earnings in the United States, 2008." 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/glossary20092010.htm.