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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