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Employee Benefits Survey
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Table 7. Medical care benefits: Amount of annual family out-of-pocket maximum, private industry workers, 2017
(All workers participating in medical care plans = 100 percent)
Characteristics With out-of- pocket maximum Amount of out-of-pocket maximum(1) With no out-of- pocket maximum Not determinable
10th percentile 25th percentile 50th percentile (median) 75th percentile 90th percentile

Worker characteristics

All workers

93 $2,000 $3,000 $5,000 $7,000 $9,600 7 (2)

Management, professional, and related

94 $2,000 $3,000 $5,000 $6,850 $9,000 6 (2)

Management, business, and financial

95 $2,000 $3,000 $4,400 $6,900 $9,600 - -

Professional and related

93 $2,000 $3,000 $5,000 $6,850 $8,700 6 (2)

Service: Protective service

97 $2,700 $3,000 - $10,300 $10,300 - -

Sales and office

93 $2,000 $3,000 $5,000 $7,000 $9,000 6 1

Sales and related

96 $2,700 $3,600 $6,000 $8,200 $9,700 - -

Office and administrative support

92 $2,000 $3,000 $4,400 $6,050 $8,700 8 1

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

91 $2,000 $3,100 $6,000 $8,000 $11,200 - -

Production, transportation, and material moving

92 $2,000 $3,000 $5,000 $7,000 $9,400 - -

Production

91 $2,000 $3,100 $5,000 $7,000 $9,700 - -

Transportation and material moving

93 $2,000 - $5,000 $7,100 $9,300 7 1

Full time

93 $2,000 $3,000 $5,000 $7,000 $9,600 6 (2)

Part time

88 $2,000 $3,000 $5,000 $8,000 $9,600 - -

Union

89 $2,000 - $4,000 $7,000 $10,300 11 (2)

Nonunion

94 $2,100 $3,000 $5,000 $7,000 $9,400 6 (2)

Average wage within the following categories(3):

Second 25 percent

94 $2,200 $3,200 - $7,200 $9,600 5 (2)

Third 25 percent

92 $2,000 $3,000 $5,000 $6,850 $9,350 7 1

Highest 25 percent

93 $2,000 $3,000 $4,500 $6,900 $9,300 6 (2)

Highest 10 percent

91 $2,000 $3,000 $4,300 $6,700 $9,000 - -

Establishment characteristics

Goods-producing industries

93 $2,000 $3,000 $5,000 $7,000 $9,700 - -

Construction

93 $2,100 $3,100 $5,400 $7,000 $9,500 - -

Manufacturing

95 $2,000 $3,000 $5,000 $7,000 $9,700 - -

Service-providing industries

93 $2,000 $3,000 $5,000 $7,000 $9,500 7 (2)

Trade, transportation, and utilities

92 $2,000 $3,000 $5,100 $8,000 $9,300 8 1

Retail trade

95 $3,000 $4,000 $6,000 $8,200 $9,600 4 (2)

Transportation and warehousing

91 $2,000 $2,000 $4,000 $5,200 $8,200 - -

Information

98 $2,500 $2,850 $4,000 $5,000 $7,000 - -

Financial activities

95 $2,000 $3,200 $4,000 $6,000 $8,650 5 1

Finance and insurance

95 $2,000 $3,200 $4,000 $5,700 $7,500 - -

Credit intermediation and related activities

97 $2,000 $3,100 $3,800 $5,000 $7,500 - -

Insurance carriers and related activities

93 - $3,400 $5,000 $6,200 $7,500 - -

Education and health services

88 $2,200 $3,000 $5,000 $6,500 $8,950 11 1

Educational services

95 - $3,000 $4,300 $7,000 $12,700 - -

Junior colleges, colleges, and universities

93 $2,000 $3,000 $4,000 $7,000 $12,700 - -

100 workers or more

93 $2,000 $3,000 $4,950 $7,000 $9,700 7 (2)

100 to 499 workers

94 $2,000 $3,200 $5,000 $7,600 $10,000 - -

500 workers or more

92 $2,000 $3,000 $4,000 $6,500 $9,350 - -

Geographic areas

Northeast

91 $2,000 $3,000 $5,000 $8,200 $10,300 9 1

New England

86 - $3,400 $5,000 $7,500 $10,000 - -

Middle Atlantic

92 $2,000 $3,000 - $8,300 $10,300 7 1

South

91 $2,400 $3,300 - $7,100 $9,500 8 (2)

West South Central

89 $2,400 $3,200 $5,000 $7,000 $9,300 - -

Midwest

94 $2,000 $3,000 $4,400 $6,000 $8,000 - -

East North Central

94 $2,000 $3,000 $4,000 $6,000 $8,200 6 (2)

West

96 $2,000 $3,000 $4,500 $6,850 $9,500 - -

Mountain

98 $2,000 $3,000 $5,000 $7,500 - - -

Pacific

95 $2,000 $3,000 $4,400 $6,600 $9,200 - -

Footnotes:
(1) The out-of-pocket maximum is the annual limit on the amount of covered expenses that a participant or a family must pay after the deductible has been satisfied. Once reached, covered expenses are fully reimbursed for the rest of the year.
(2) Less than 0.5.
(3) 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