Table 13. Fee-for-service plans: Amount of annual family out-of-pocket maximum,(1) private industry workers, National Compensation Survey, 2009 (All workers participating in fee-for-service plans = 100 percent) Amount of out-of-pocket maximum With With no out-of- out-of- Not Characteristics Total pocket 10th 25th 50th 75th 90th pocket determin- maximum percenti- percenti- percenti- percenti- percenti- maximum able le le le le le (median) Worker characteristic All workers.............. 100 72 $1,640 $2,500 $4,000 $5,250 $7,500 27 1 Management, professional, and related.............. 100 73 1,800 2,600 4,000 5,200 7,500 25 2 Management, business, and financial.......... 100 76 1,800 3,000 4,000 5,250 7,500 22 2 Professional and related................ 100 72 1,500 2,500 4,000 5,000 7,500 27 1 Service.................. 100 59 1,500 3,000 3,600 4,500 7,000 41 1 Protective service..... 100 56 2,400 3,000 4,500 6,600 7,000 – – Sales and office......... 100 75 1,900 2,600 4,000 5,100 7,600 24 1 Sales and related...... 100 77 2,000 3,000 4,000 6,000 8,500 23 (2) Office and administrative support 100 75 1,500 2,300 3,600 5,000 7,500 24 1 Natural resources, construction, and maintenance.............. 100 68 1,500 2,300 3,000 5,250 7,500 31 1 Construction, extraction, farming, fishing, and forestry.. 100 64 2,000 2,400 4,500 5,550 9,800 36 – Installation, maintenance, and repair 100 73 – – – – – 26 1 Production, transportation, and material moving.......... 100 72 1,600 2,500 3,500 6,000 8,000 26 2 Production............. 100 74 1,500 2,475 3,400 5,000 8,000 23 2 Transportation and material moving........ 100 69 2,000 2,600 4,000 6,000 8,000 29 2 Full time................ 100 72 1,650 2,500 4,000 5,300 7,600 26 1 Part time................ 100 64 1,500 3,000 3,500 4,600 6,000 35 1 Union.................... 100 55 1,640 2,500 3,000 5,000 6,000 43 1 Nonunion................. 100 74 1,600 2,500 4,000 5,300 7,600 24 1 Average wage within the following categories:(3) Lowest 25 percent...... 100 66 1,500 2,500 4,000 6,000 9,750 33 1 Second 25 percent...... 100 74 1,640 2,500 3,800 5,000 7,500 24 2 Third 25 percent....... 100 75 1,500 2,400 3,600 5,000 7,500 24 1 Highest 25 percent..... 100 69 2,000 2,700 4,000 5,400 7,500 30 1 Highest 10 percent... 100 71 2,000 2,850 4,000 5,400 7,500 29 1 Establishment characteristic Goods-producing industries............... 100 76 1,640 2,400 3,450 5,300 8,000 23 1 Construction........... 100 73 2,000 2,400 4,500 7,000 10,000 27 – Manufacturing.......... 100 75 1,500 2,475 3,400 5,000 7,700 23 1 Service-providing industries............... 100 70 1,800 2,600 4,000 5,200 7,500 28 1 Trade, transportation, and utilities.......... 100 75 2,000 3,000 4,000 5,500 8,500 25 1 Retail trade......... 100 80 2,000 3,000 4,000 5,000 9,000 20 – Transportation and warehousing.......... 100 62 2,000 2,700 4,000 6,000 8,000 38 – Information............ 100 82 2,000 2,800 4,000 5,500 7,500 16 2 Financial activities... 100 80 2,000 2,750 4,000 6,000 7,600 18 2 Finance and insurance 100 79 2,000 2,700 4,000 5,000 7,500 19 2 Credit intermediation and related activities 100 78 2,000 2,750 4,000 6,000 7,900 22 (2) Insurance carriers and related activities......... 100 82 2,000 2,300 3,400 5,000 7,500 13 5 Professional and business services...... 100 66 2,000 2,600 4,000 5,050 6,800 33 1 Professional and technical services... 100 67 2,000 3,000 4,000 5,200 6,000 33 – Education and health services............... 100 72 1,250 2,000 3,000 4,500 7,000 26 2 Educational services 100 76 – – – – – 24 – Junior colleges, colleges, and universities....... 100 73 2,000 2,500 3,400 4,500 7,000 27 – Health care and social assistance.... 100 72 – – – – – 26 2 1 to 99 workers.......... 100 68 1,500 2,500 4,000 5,250 7,500 30 1 1 to 49 workers........ 100 67 1,800 2,500 4,000 5,000 7,500 31 1 50 to 99 workers....... 100 72 1,500 2,500 4,000 6,000 7,600 27 1 100 workers or more...... 100 74 1,750 2,500 3,750 5,100 7,500 24 1 100 to 499 workers..... 100 76 1,750 2,800 4,000 5,000 7,500 23 1 500 workers or more.... 100 72 1,800 2,300 3,400 5,400 8,000 26 2 Geographic area New England.............. 100 55 2,300 3,200 4,800 6,000 8,700 44 1 Middle Atlantic.......... 100 52 1,500 2,400 3,500 5,000 7,000 46 2 East North Central....... 100 78 1,500 2,350 3,200 5,000 6,200 20 2 West North Central....... 100 77 1,500 2,000 3,000 4,600 6,000 23 – South Atlantic........... 100 77 2,000 3,000 4,000 6,000 8,000 21 2 East South Central....... 100 81 – – – – – 18 1 West South Central....... 100 80 2,000 2,800 4,000 6,000 9,000 19 1 Mountain................. 100 63 2,000 3,000 4,000 5,000 6,400 34 3 Pacific.................. 100 70 1,800 2,700 4,000 5,700 8,000 29 (2) 1 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a participant or a family must pay after the deductible has been satisfied. Once reached, covered expenses are fully reimbursed for the rest of the year. 2 Less than 0.5 percent. 3 The categories are based on the average wage for each occupation surveyed, which may include workers both above and below the threshold. The average wages are based on the estimates published in the "National Compensation Survey: Occupational Earnings in the United States, 2008." 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/glossary20092010.htm.