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Medical plans, family coverage: Employee participation by type of contribution Data Table

Table 10. Medical plans, family coverage: Employee participation by type of contribution, private industry workers,
National Compensation Survey, March 2008

(All workers with contributory family coverage = 100 percent)

Employee monthly contribution

Family coverage

Total with
contributory
coverage

Flat dollar
amount

Composite
rate1

Varies2

Flexible
benefits3

Percent of
earnings

Exists, but
unknown

Other

All workers

100

78

[4]

5

1

[4]

15

1

Worker characteristics

               

Management, professional, and related

100

77

6

2

[4]

13

1

    Management, business, and financial

100

77

6

2

[4]

13

    Professional and related

100

78

5

2

13

1

Service

100

75

5

1

17

2

Sales and office

100

74

[4]

5

1

18

1

    Sales and related

100

71

5

[4]

23

1

    Office and administrative support

100

76

[4]

5

1

16

[4]

Natural resources, construction, and maintenance

100

81

4

[4]

12

2

    Construction, extraction, farming, fishing, and
     forestry

100

80

5

13

    Installation, maintenance, and repair

100

82

4

1

12

1

Production, transportation, and material moving

100

84

3

1

10

1

    Production

100

84

4

1

10

    Transportation and material moving

100

85

3

1

11

Full time

100

78

[4]

5

1

[4]

14

1

Part time

100

73

4

1

21

1

Union

100

81

2

12

3

Nonunion

100

78

5

1

[4]

15

1

Average wage within the following percentiles:5

               

    Less than 10

100

75

5

20

    10 to under 25

100

74

4

[4]

21

    25 to under 50

100

79

4

1

15

1

    50 to under 75

100

80

[4]

5

1

[4]

13

1

    75 to under 90

100

78

5

1

[4]

13

1

    90 or greater

100

75

6

2

[4]

14

1

Establishment characteristics

               

Goods-producing industries

100

82

4

1

11

    Construction

100

79

5

13

    Manufacturing

100

83

3

1

11

Service-providing industries

100

77

[4]

5

1

[4]

16

1

    Trade, transportation, and utilities

100

76

4

1

18

1

        Wholesale trade

100

81

7

11

        Retail trade

100

72

4

24

        Transportation and warehousing

100

79

17

        Utilities

100

83

4

5

    Information

100

84

5

9

    Financial activities

100

79

[4]

5

2

[4]

13

[4]

        Finance and insurance

100

78

[4]

5

3

1

13

[4]

            Credit intermediation and related activities

100

82

3

2

[4]

12

            Insurance carriers and related activities

100

74

1

5

3

[4]

16

        Real estate and rental and leasing

100

84

    Professional and business services

100

76

5

2

15

        Professional and technical services

100

77

4

17

        Administrative and waste services

100

75

6

15

    Education and health services

100

78

7

2

12

1

        Educational services

100

78

10

2

8

            Junior colleges, colleges, and universities

100

78

14

2

5

        Health care and social assistance

100

77

6

1

13

1

    Leisure and hospitality

100

67

7

        Accommodation and food services

100

69

8

    Other services

100

79

14

1 to 99 workers

100

81

5

[4]

13

1

    1 to 49 workers

100

80

6

[4]

13

1

    50 to 99 workers

100

83

3

12

2

100 workers or more

100

76

5

2

[4]

16

1

    100 to 499 workers

100

79

4

1

15

[4]

    500 workers or more

100

72

6

2

[4]

16

1

Geographic areas

               

Metropolitan areas

100

78

1

5

1

[4]

14

1

Nonmetropolitan areas

100

78

4

16

1

New England

100

79

6

1

14

Middle Atlantic

100

78

1

4

1

14

1

East North Central

100

79

4

3

14

West North Central

100

78

6

14

South Atlantic

100

81

3

[4]

14

[4]

East South Central

100

72

4

West South Central

100

74

9

15

Mountain

100

74

[4]

9

16

Pacific

100

79

4

2

12

3

Average monthly employer premium6

$684.72

$685.97

$720.21

$674.51

$749.09

$749.95

$676.81

$653.15

Footnotes:

1A composite rate is a set contribution covering more than one benefit area, for example, health care and life insurance. Cost data for individual plans cannot be determined.

2Based on worker attributes. For example, employee contributions may vary based on earnings, length of service, or age.

3Amount varies by options selected under a "cafeteria plan" or employer-sponsored reimbursement account.

4Less than 0.5 percent.

5The 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.

6Average premium is for all workers.

NOTE: Because of rounding, sums of individual items may not equal totals. Dash indicates no workers in this category or data did not meet publication criteria.