Figure 5. Actuarial values for fee-for-service (FFS) plans and HMOs, by wage quartile, 2011
Quartile FFS HMO

1st quartile

87.4 91.1

2nd quartile

87.9 91.8

3rd quartile

88.2 91.5

4th quartile

88.6 92.8

Source: National Compensation Survey, U.S. Bureau of Labor Statistics.