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Employee Benefits Survey
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Table 7. Medical care benefits: Type and amount of annual family 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

89 - - 61 $3,000 $6,000 $3,000 - 11 (3)

Management, professional, and related

89 25 $3,000 64 $3,000 $6,000 $2,500 - 11 (3)

Management, business, and financial

92 29 $3,000 64 $3,000 $5,200 - - 8 -

Professional and related

87 22 $3,000 64 $3,000 $6,000 $2,700 - 13 (3)

Sales and office

89 - - 63 $3,000 $6,800 $3,000 - - -

Sales and related

95 - - 69 $4,000 $10,000 - - - -

Office and administrative support

87 - - 61 $3,000 $6,000 $3,000 - - -

Full time

90 - - 61 $3,000 $6,000 $2,700 - 10 (3)

Part time

80 23 $3,000 57 $2,700 $6,000 - - - -

Establishment characteristics

Service-providing industries

89 - - 60 $3,000 $6,000 $3,000 - 11 (3)

Trade, transportation, and utilities

92 23 $3,000 69 $3,000 $6,000 - - 8 (3)

Information

91 45 - 47 $2,700 - - - - -

Financial activities

96 - - 68 $3,200 $6,000 - - - -

Education and health services

82 31 $3,000 51 $2,500 $4,800 $2,700 - 18 (3)

Educational services

88 26 - 62 - $4,000 - - 12 (3)

Health care and social assistance

81 32 - 49 $2,500 $4,800 $3,000 - 19 -

Geographic areas

Northeast

88 25 $2,000 62 $3,000 $4,000 $3,000 - 12 (3)

New England

94 33 - 61 $3,000 $6,000 - - - -

Middle Atlantic

85 22 $3,000 63 $2,700 $4,000 $3,000 - 15 (3)

South

93 28 $3,000 65 $3,000 $6,400 $2,700 - 7 (3)

South Atlantic

93 30 $3,000 63 $3,000 $6,000 $2,700 - 7 (3)

West South Central

92 24 - 69 $3,200 $7,800 - - - -

Midwest

95 31 $3,000 64 $3,000 $6,000 - - 5 (3)

East North Central

93 29 $3,000 64 $3,000 $6,000 - - 6 (3)

West North Central

97 35 - 63 $3,000 $7,000 - - - -

West: Mountain

93 38 - 55 $3,000 $6,000 - - 7 -

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