Table 3. Medical care benefits: High deductible health
plans,(1) private industry workers, National
Compensation Survey, 2009

(All workers participating in medical care plans = 100
percent)
                                                       
                                                       
                                       High    Non-high
     Characteristics        Total   deductib- deductib-
                                    le health le health
                                      plans     plans  
                                                       
                                                       
                                                       
  Worker characteristic                                
                                                       
All workers..............       100        15        85
                                                       
Management, professional,                              
and related..............       100        16        84
  Management, business,                                
  and financial..........       100        24        76
  Professional and                                     
  related................       100        12        88
Service..................       100         7        93
Sales and office.........       100        14        86
  Sales and related......       100        12        88
  Office and                                           
  administrative support        100        15        85
Natural resources,                                     
construction, and                                      
maintenance..............       100        20        80
  Construction,                                        
  extraction, farming,                                 
  fishing, and forestry..       100        24        76
  Installation,                                        
  maintenance, and repair       100        17        83
Production,                                            
transportation, and                                    
material moving..........       100        13        87
  Production.............       100        16        84
  Transportation and                                   
  material moving........       100        10        90
                                                       
Full time................       100        15        85
Part time................       100         7        93
                                                       
Union....................       100         5        95
Nonunion.................       100        16        84
                                                       
Average wage within the                                
following categories:(2)                               
  Lowest 25 percent......       100        12        88
  Second 25 percent......       100        14        86
  Third 25 percent.......       100        16        84
  Highest 25 percent.....       100        14        86
    Highest 10 percent...       100        16        84
                                                       
      Establishment                                    
     characteristic                                    
                                                       
Goods-producing                                        
industries...............       100        15        85
  Manufacturing..........       100        14        86
                                                       
Service-providing                                      
industries...............       100        14        86
  Trade, transportation,                               
  and utilities..........       100        11        89
    Retail trade.........       100        11        89
  Financial activities...       100        25        75
    Finance and insurance       100        24        76
      Credit                                           
      intermediation and                               
      related activities        100        19        81
      Insurance carriers                               
      and related                                      
      activities.........       100        33        67
  Professional and                                     
  business services......       100        17        83
  Education and health                                 
  services...............       100        10        90
    Educational services        100         4        96
      Junior colleges,                                 
      colleges, and                                    
      universities.......       100         6        94
    Health care and                                    
    social assistance....       100        11        89
                                                       
1 to 99 workers..........       100        17        83
  1 to 49 workers........       100        18        82
  50 to 99 workers.......       100        16        84
100 workers or more......       100        12        88
  100 to 499 workers.....       100        13        87
  500 workers or more....       100        11        89
                                                       
     Geographic area                                   
                                                       
Middle Atlantic..........       100        10        90
East North Central.......       100        19        81
West North Central.......       100        24        76
South Atlantic...........       100        16        84
East South Central.......       100        16        84
West South Central.......       100        17        83
Mountain.................       100        12        88
Pacific..................       100         8        92

  1 A high deductible health plan (HDHP) is health plan
which typically has a higher deductible and lower
premiums than a traditional health plan. Normally the
plan includes catastrophic coverage to protect against
large medical expenses, but the insured is responsible
for routine out-of-pocket expenses.
  2 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.