Table 8. Average plan limits for non-health maintenance organization plans, full-time employees, 1995 and 1997
Table 8. Average plan limits for non-health maintenance organization plans, full-time
employees in medium and large private establishments, 1995 and 1997
Professional,
All technical, Clerical Blue-collar
Average limit employees and and sales and service
related employees(2) employees(3)
employees(1)
1995
Annual individual deductible(4).. $247 $264 $273 $229
Annual out-of-pocket expense
maximum(5)
Individual...................... $1,358 $1,419 $1,354 $1,328
Family.......................... $2,858 $2,894 $2,948 $2,801
Lifetime maximum(6) ($ in
millions)..................... $1.0 $1.2 $1.0 $0.9
1997
Annual individual deductible(4).. $268 $310 $298 $237
Annual out-of-pocket expense
maximum(5)
Individual...................... $1,578 $1,565 $1,924 $1,432
Family.......................... $3,101 $3,375 $3,392 $2,820
Lifetime maximum(6) ($ in
millions)..................... $1.1 $1.2 $1.2 $1.0
1 Includes professional, technical, executive, and administrative occupations.
2 Includes clerical, administrative support, and sales occupations.
3 Includes production, craft, repair, laborer, and service occupations.
4 Amount of covered expenses that an individual must pay before any expenses are paid by
the plan. Further deductibles for specific medical services are excluded.
5 Amount of covered expenses that an individual or family must pay, exclusive of
deductibles, before the plan pays 100 percent of additional expenses. Expenses for
certain medical services, such as mental health care, may not be subject to this limit.
6 Total amount of covered expenses the plan will pay for each individual. When the
amount varied for employees and dependants, the employee amount was used.
NOTE: Average limits are calculated only for participants in plans that specify the
limit(s).
United States Department of Labor
