Table 8. Average plan limits for full-time employees participating in medical plans other than health maintenance organizations
Table 8. Average plan limits for full-time employees participating in medical plans other
than health maintenance organizations, small private establishments, 1996
Professional,
All technical, Clerical Blue-collar
Average Limit full-time and and sales and service
employees related employees(2) employees(3)
employees(1)
Annual deductible(4)
Individual...................... $306 $318 $298 $304
Family.......................... 744 782 717 746
Annual out-of-pocket expense
maximum(5) ($ in thousands)
Individual...................... 1.5 1.7 1.6 1.4
Family.......................... 3.2 3.5 3.4 3.0
Lifetime Maximum(6) ($ in
millions)...................... 1.4 1.6 1.4 1.2
1 Includes professional, technical, executive, and administrative occupations.
2 Includes clerical, administrative support, and sales occupations.
3 Includes production, craft, repair, laborer, and service occupations.
4 Amount of covered expenses that an individual or family must pay before any changes
are paid by the plan. Further deductibles for specific medical services are excluded.
5 Amount of covered expenses that an individual or family must pay, exclusive of
deductibles, before the plan pays 100 percent of additional expenses. Expenses for
certain medical services, such as mental health care, may not be subject to this limit.
6 Total amount of covered expenses the plan will pay for each individual. When the
amount varied for employees and dependants, the employee amount was used.
NOTE: Average limits are calculated only for participants in plans that specify the
limit(s).
United States Department of Labor
