Standard Errors
Medical care benefits, family coverage: Employer and employee premiums by employee contribution requirement

Table 13. Standard errors for medical care benefits, family coverage: Employer and employee
premiums by employee contribution requirement, private industry workers,  National
Compensation Survey, March 2013

Characteristics

Average
flat monthly
employer
premium

Employee contribution not
required

Employee contribution required

Percent of
participating
employees

Average
flat monthly
employer
premium

Percent of
participating
employees

Average
flat monthly
employer
premium

Average
flat monthly
employee
contribution

All workers

$7.87

0.6

$19.54

0.6

$8.18

$5.76

Worker characteristics

            

Management, professional, and related

10.67

0.8

57.92

0.8

9.81

6.98

    Management, business, and financial

15.59

1.3

125.47

1.3

12.49

8.52

    Professional and related

13.27

1.0

45.61

1.0

13.07

9.49

Service

33.37

1.8

54.40

1.8

30.29

–

    Protective service

73.71

0.9

115.45

0.9

76.42

–

Sales and office

10.70

0.7

34.76

0.7

10.93

6.76

    Sales and related

13.90

0.7

82.20

0.7

13.47

8.57

    Office and administrative support

12.70

0.9

39.84

0.9

13.28

9.30

Natural resources, construction, and maintenance

20.79

1.9

52.13

1.9

23.53

13.65

    Construction, extraction, farming, fishing, and
     forestry

36.62

3.4

70.60

3.4

46.54

24.20

    Installation, maintenance, and repair

29.07

2.2

78.84

2.2

29.59

18.34

Production, transportation, and material moving

13.39

1.1

20.33

1.1

15.35

9.67

    Production

19.05

0.9

29.94

0.9

21.11

10.52

    Transportation and material moving

19.95

1.7

26.02

1.7

22.57

16.35

Full time

8.04

0.6

20.17

0.6

8.47

6.16

Part time

15.43

1.2

65.16

1.2

13.95

11.33

Union

22.78

2.5

37.81

2.5

19.40

10.54

Nonunion

8.28

0.5

44.65

0.5

8.40

6.09

Average wage within the following categories:1

            

    Lowest 25 percent

14.63

0.9

75.42

0.9

14.64

29.21

        Lowest 10 percent

25.74

1.8

118.58

1.8

25.47

–

    Second 25 percent

15.80

0.8

42.25

0.8

16.75

8.82

    Third 25 percent

10.70

0.8

30.25

0.8

11.16

6.44

    Highest 25 percent

9.53

1.0

28.52

1.0

8.67

6.04

        Highest 10 percent

15.01

1.3

59.76

1.3

12.29

9.06

Establishment characteristics

            

Goods-producing industries

15.03

1.1

29.96

1.1

16.22

8.16

    Construction

30.18

3.1

72.24

3.1

36.75

15.24

    Manufacturing

16.32

1.0

25.76

1.0

17.72

8.60

Service-providing industries

9.44

0.6

28.08

0.6

9.79

7.08

    Trade, transportation, and utilities

15.05

0.8

37.30

0.8

14.68

7.33

        Wholesale trade

23.25

1.8

46.31

1.8

26.37

14.95

        Retail trade

16.16

1.1

98.47

1.1

15.39

9.40

        Transportation and warehousing

30.25

2.3

34.45

2.3

32.32

19.62

        Utilities

31.42

3.5

44.95

3.5

32.34

11.82

    Information

34.31

3.0

35.97

3.0

29.26

15.13

    Financial activities

15.17

0.9

65.24

0.9

13.59

9.91

        Finance and insurance

9.19

0.5

87.48

0.5

8.98

7.61

            Credit intermediation and related activities

12.31

0.8

120.62

0.8

12.67

10.59

            Insurance carriers and related activities

17.82

1.0

155.83

1.0

16.61

11.84

        Real estate and rental and leasing

69.99

–

–

–

–

–

    Professional and business services

37.31

1.7

101.05

1.7

32.65

14.42

        Professional and technical services

50.63

2.5

154.84

2.5

38.36

18.63

        Administrative and waste services

71.52

2.7

58.78

2.7

71.24

39.00

    Education and health services

21.62

1.1

55.63

1.1

21.71

14.18

        Educational services

17.71

1.4

91.78

1.4

17.02

17.69

            Junior colleges, colleges, and universities

13.75

0.4

243.23

0.4

13.71

11.18

        Healthcare and social assistance

24.38

1.4

56.56

1.4

24.81

16.98

    Leisure and hospitality

47.32

–

–

–

–

–

        Accommodation and food services

57.67

–

–

–

–

–

    Other services

40.99

3.0

106.11

3.0

44.38

29.72

1 to 99 workers

13.80

1.0

32.39

1.0

13.88

9.07

    1 to 49 workers

19.81

1.3

43.14

1.3

18.96

11.44

    50 to 99 workers

20.05

1.3

65.03

1.3

18.84

15.29

100 workers or more

8.59

0.6

25.59

0.6

8.83

7.67

    100 to 499 workers

13.38

0.8

48.02

0.8

14.30

12.25

    500 workers or more

9.00

0.9

28.64

0.9

9.82

7.02

Geographic areas

            

New England

29.22

1.5

117.37

1.5

33.31

10.85

Middle Atlantic

18.86

1.8

32.76

1.8

24.17

7.51

East North Central

17.62

1.7

36.95

1.7

17.40

8.04

West North Central

43.10

1.7

49.20

1.7

43.75

28.91

South Atlantic

16.73

1.2

132.23

1.2

18.92

13.31

East South Central

20.32

1.7

91.87

1.7

17.49

27.44

West South Central

25.39

0.8

97.02

0.8

25.63

–

Mountain

21.87

2.7

53.40

2.7

23.86

8.21

Pacific

26.10

1.5

37.86

1.5

25.27

10.65

1Surveyed occupations are classified into wage categories based
on the average wage for the occupation, which may include workers with
earnings both above and below the threshold.  The categories were
formed using percentile estimates generated using data from the
National Compensation Survey publication, "Employer Costs for
Employee Compensation - March&nbs p;2013."


NOTE: Dash indicates no workers in this category or data did 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/glossary20122013.htm.