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Employee Benefits Survey
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Table 5. Medical care benefits: Coinsurance percentage, private industry workers, 2017
(All workers participating in medical care plans with coinsurance = 100 percent)
Characteristics Fixed coinsurance Variable coinsurance With other coinsurance
With fixed coinsurance Median coinsurance percentage With variable coinsurance Median coinsurance percentage
In-network Out-of- network Most generous coverage(1)

Worker characteristics

All workers

- - 84 80 60 90 -

Management, professional, and related

- - 83 80 60 90 -

Management, business, and financial

17 80 83 80 60 90 -

Professional and related

- - 83 80 60 90 -

Service: Protective service

- - 78 90 70 100 -

Sales and office

- - 84 80 60 80 -

Sales and related

- - 92 80 60 - -

Office and administrative support

- - 80 80 60 80 -

Natural resources, construction, and maintenance: Construction, extraction, farming, fishing, and forestry

22 80 78 80 60 - -

Production, transportation, and material moving

15 80 85 80 60 80 -

Production

19 80 81 90 60 - -

Transportation and material moving

11 80 89 80 60 - -

Full time

- - 84 80 60 90 -

Part time

- - 85 80 60 90 -

Union

- - 88 85 65 100 -

Nonunion

- - 84 80 60 90 -

Average wage within the following categories(2):

Second 25 percent

- - 85 80 60 90 -

Third 25 percent

16 80 84 80 60 90 -

Highest 25 percent

- - 84 80 60 90 -

Highest 10 percent

- - 84 80 60 90 -

Establishment characteristics

Goods-producing industries

17 80 83 80 60 - -

Construction

19 80 81 80 60 - -

Manufacturing

15 80 85 90 60 - -

Service-providing industries

- - 84 80 60 90 -

Trade, transportation, and utilities

- - 89 80 60 80 -

Retail trade

- - 93 80 50 - -

Transportation and warehousing

- - 92 80 60 - -

Information

8 90 92 90 60 - -

Financial activities

16 80 84 80 60 90 -

Finance and insurance

12 80 88 80 60 90 -

Credit intermediation and related activities

11 80 89 80 60 - -

Insurance carriers and related activities

16 80 84 80 60 - -

Education and health services

- - 86 80 60 90 -

Educational services

- - 82 80 60 90 -

Junior colleges, colleges, and universities

- - 90 90 65 90 -

100 workers or more

- - 88 80 60 90 -

100 to 499 workers

- - 89 80 60 90 -

500 workers or more

14 80 86 80 60 90 -

Geographic areas

Northeast

- - 78 80 60 100 -

New England

- - 73 80 60 100 -

Middle Atlantic

- - 79 80 60 100 -

South

13 80 87 80 60 90 -

West South Central

15 80 85 80 60 90 -

Midwest

- - 89 80 60 90 -

East North Central

- - 90 80 60 90 -

West

21 80 79 80 60 80 -

Mountain

20 80 80 80 60 80 -

Pacific

21 80 79 80 60 80 -

Footnotes:
(1) Refers to deductible or coinsurance amounts for the most generous benefits received in plans with more than two tiers of benefits.
(2) Surveyed 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 2017."

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/glossary20162017.htm.
Source: U.S. Bureau of Labor Statistics, National Compensation Survey.

 

Last Modified Date: May 15, 2018