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Employee Benefits Survey
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Table 5. Medical care benefits: Type and amount of annual individual deductible, private industry workers, 2018
(All workers participating in medical care plans = 100 percent)
Characteristics With deductible With no deductible Not determinable
Total with deductible With fixed deductible With variable deductible Other deductible(2)
Total with fixed deductible Median deductible amount Total with variable deductible Median deductible amount
In-network Out-of-network Most generous coverage (1)

Worker characteristics

All workers

91 - - 61 $1,500 $3,000 $1,500 - 9 (3)

Management, professional, and related

92 25 $1,500 66 $1,500 $2,700 $1,250 - 8 (3)

Management, business, and financial

93 29 $1,500 64 $1,500 - - - 7 -

Professional and related

91 23 $1,500 68 $1,500 $3,000 $1,350 - 9 (3)

Sales and office

91 - - 64 $1,500 $3,000 $2,000 - - -

Sales and related

97 - - 69 $2,000 $4,000 - - - -

Office and administrative support

88 - - 61 $1,500 $3,000 $2,000 - - -

Full time

91 - - 62 $1,500 $3,000 $1,350 - 9 (3)

Part time

84 27 $1,300 57 $1,250 $2,500 $2,000 - - -

Establishment characteristics

Service-providing industries

91 - - 61 $1,500 $3,000 $1,500 - 9 (3)

Trade, transportation, and utilities

94 26 - 69 $1,500 $3,000 - - 5 (3)

Information

91 45 - 47 $1,350 - - - - -

Financial activities

96 - - 68 $1,600 $3,000 - - - -

Education and health services

83 32 $1,500 51 - $2,000 $1,350 - 17 (3)

Educational services

90 28 - 62 - $2,000 - - 10 (3)

Health care and social assistance

82 33 - 49 - - $1,500 - 18 -

Geographic areas

Northeast

88 26 $1,000 62 $1,350 $2,000 $1,500 - 12 (3)

New England

94 33 - 61 $1,500 - - - - -

Middle Atlantic

86 23 $1,200 63 $1,300 $2,000 $1,500 - 14 (3)

South

95 30 $1,500 66 $1,500 $3,000 $1,350 - 4 (3)

South Atlantic

95 32 $1,500 63 $1,350 $3,000 $1,350 - 5 (3)

West South Central

95 26 - 69 $1,500 $3,300 - - - -

Midwest

95 31 - 64 $1,500 $3,000 - - 5 (3)

East North Central

94 30 $1,500 64 $1,500 $3,000 - - 6 (3)

West North Central

97 35 - 63 $1,500 $3,000 - - - -

West: Mountain

94 39 - 55 $1,500 $3,000 - - 6 -

Footnotes:
(2) Deductible amount vary by additional factors such as employee length of service, salary range, or age of enrollee.
(1) Refers to deductible or coinsurance amounts for the most generous benefits received in plans with more than two tiers of benefits.
(3) Less than 0.5.

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/detailedprovisions/2018/ownership/private/glossary.htm.
Source: U.S. Bureau of Labor Statistics, National Compensation Survey.

 

Last Modified Date: April 18, 2019