Table 3. Fee-for-service plans: Type and amount of annual individual deductible,(1) private industry workers, National Compensation Survey, 2008 (All workers participating in fee-for-service plans = 100 percent) Fixed deductib- Variable deductible le With Median Oth- With Not To- ded- Med- With deductible er no deter- Characteristic tal uct- With ian var- amount ded- ded- minab- ible fix- ded- iab- uct- uct- le ed uct- le ible ible ded- ible ded- Out- Poi- uct- amo- uct- In- of- nt- ible unt ible net- net- of- work work ser- vice All workers............................. 100 93 39 $500 53 $500 $750 $350 1 5 2 Worker characteristic Management, professional, and related... 100 93 36 500 57 500 750 300 – 6 1 Management, business, and financial... 100 94 36 500 58 500 750 – – 5 (2) Professional and related.............. 100 92 36 500 56 500 – – – 7 1 Service................................. 100 83 38 500 44 – – – – – – Sales and office........................ 100 93 40 500 52 500 900 500 – 5 1 Sales and related..................... 100 97 39 500 58 500 1000 500 – 3 – Office and administrative support..... 100 91 41 500 50 500 $750 – – 7 2 Natural resources, construction, and maintenance............................. 100 92 44 300 48 500 – – – 6 1 Construction, extraction, farming, fishing, and forestry................. 100 92 54 300 38 – 500 1500 – – – Installation, maintenance, and repair 100 93 36 – 57 500 – – – – – Production, transportation, and material moving.................................. 100 98 41 – 56 350 750 1000 – 2 (2) Production............................ 100 98 41 500 56 330 600 – – – – Transportation and material moving.... 100 97 40 350 57 400 1000 1000 – – – Full time............................... 100 93 39 500 53 500 $800 $350 1 5 2 Part time............................... 100 91 41 – 50 500 – – – – – Union................................... 100 90 44 250 46 300 500 250 – 6 3 Nonunion................................ 100 93 38 500 54 500 1000 400 1 5 1 Average wage within the following percentiles:(3) Less than 10.......................... 100 94 31 – 62 400 1000 – – – – 10 to under 25........................ 100 87 40 – 46 500 1000 – – 5 – 25 to under 50........................ 100 95 40 500 54 500 1000 – 1 3 2 50 to under 75........................ 100 92 37 500 54 – $750 500 – 7 1 75 to under 90........................ 100 94 43 – 50 325 600 300 1 5 1 90 or greater......................... 100 93 36 500 57 500 – 400 – 6 1 Establishment characteristic Goods-producing industries.............. 100 95 40 400 54 – 700 1000 – 5 1 Construction.......................... 100 90 48 300 42 500 1000 – – – – Manufacturing......................... 100 96 38 500 58 350 $600 – – 3 (2) Service-providing industries............ 100 92 39 500 53 500 800 $300 1 6 2 Trade, transportation, and utilities.. 100 96 39 500 56 500 1000 – – 3 1 Wholesale trade..................... 100 95 41 500 53 400 1000 – – – – Retail trade........................ 100 95 40 – 55 – – – – 4 1 Transportation and warehousing...... 100 99 33 – 65 250 $500 50 – – – Utilities........................... 100 98 52 – 45 300 500 – – – – Information........................... 100 94 33 300 61 300 600 300 – – – Financial activities.................. 100 92 43 – 45 500 750 – – 8 (2) Finance and insurance............... 100 90 41 900 45 – 600 – – 10 (2) Credit intermediation and related activities........................ 100 87 37 – 46 350 600 – – 13 – Insurance carriers and related activities........................ 100 93 48 1000 41 – – 1100 – – – Real estate and rental and leasing.. 100 99 54 – 46 – 1000 – – – – Professional and business services.... 100 95 50 – 45 – $500 – – – – Professional and technical services 100 97 44 $500 53 – – – – – – Administrative and waste services... 100 89 52 300 37 – – – – – – Education and health services......... 100 84 22 500 62 500 800 300 – – – Educational services................ 100 94 28 500 65 350 700 400 – 6 – Junior colleges, colleges, and universities...................... 100 90 22 500 66 250 500 400 – 10 – Health care and social assistance... 100 82 21 – 61 500 – – – – – Leisure and hospitality............... 100 95 55 500 37 – – – – – – Accommodation and food services..... 100 96 58 – 33 – – – – – – Other services........................ 100 93 46 – 47 500 – – – – – 1 to 99 workers......................... 100 94 44 500 49 500 1000 – – 4 2 1 to 49 workers....................... 100 94 42 500 51 500 1000 – – 4 2 50 to 99 workers...................... 100 94 48 – 45 500 1000 – – – – 100 workers or more..................... 100 92 35 – 56 350 $600 300 1 7 2 100 to 499 workers.................... 100 95 35 500 60 – 750 500 – 4 1 500 workers or more................... 100 88 36 300 51 300 500 300 – 10 2 Geographic area New England............................. 100 92 19 – 71 300 500 – – 8 – Middle Atlantic......................... 100 90 32 500 59 250 500 – – 8 1 East North Central...................... 100 92 33 500 58 375 750 – – – – West North Central...................... 100 96 45 500 51 500 1000 – – – – South Atlantic.......................... 100 93 39 500 54 500 $800 – – 5 2 East South Central...................... 100 98 44 – 53 500 – – – – – West South Central...................... 100 96 41 500 54 500 1000 – – 4 (2) Mountain................................ 100 93 49 500 41 – 1000 350 – – – Pacific................................. 100 89 47 300 41 350 – – – – – 1 The deductible is the amount of covered expenses that an individual or family must pay before any charges are paid by the medical care plan. Deductibles that apply separately to a specific category of expenses, such as deductible for each hospital admission, were excluded. 2 Less than 0.5 percent. 3 The percentile groupings are based on the average wage for each occupation surveyed, which may include workers both above and below the threshold. The percentile values are based on the estimates published in the "National Compensation Survey: Occupational Earnings in the United States, 2007." See Technical Note for more details. 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/glossary20082009.htm.