Table 3. Standard errors for medical
care benefits: High deductible health
plans,(1) private industry workers,
National Compensation Survey, 2009
                                     
                                     
                           High  Non-
                          dedu-  high
                          ctib- dedu-
     Characteristics        le  ctib-
                          heal-   le 
                            th  heal-
                          plans   th 
                                plans
                                     
                                     
                                     
  Worker characteristic              
                                     
All workers..............   0.8   0.8
                                     
Management, professional,            
and related..............   1.5   1.5
  Management, business,              
  and financial..........   2.5   2.5
  Professional and                   
  related................   1.5   1.5
Service..................   1.5   1.5
Sales and office.........   1.3   1.3
  Sales and related......   1.9   1.9
  Office and                         
  administrative support    1.7   1.7
Natural resources,                   
construction, and                    
maintenance..............   2.9   2.9
  Construction,                      
  extraction, farming,               
  fishing, and forestry..   4.7   4.7
  Installation,                      
  maintenance, and repair   3.7   3.7
Production,                          
transportation, and                  
material moving..........   1.8   1.8
  Production.............   2.5   2.5
  Transportation and                 
  material moving........   2.3   2.3
                                     
Full time................   0.9   0.9
Part time................   1.4   1.4
                                     
Union....................   1.2   1.2
Nonunion.................   0.9   0.9
                                     
Average wage within the              
following categories:(2)             
  Lowest 25 percent......   2.0   2.0
  Second 25 percent......   1.5   1.5
  Third 25 percent.......   1.3   1.3
  Highest 25 percent.....   1.3   1.3
    Highest 10 percent...   2.2   2.2
                                     
      Establishment                  
     characteristic                  
                                     
Goods-producing                      
industries...............   2.0   2.0
  Manufacturing..........   2.2   2.2
                                     
Service-providing                    
industries...............   1.0   1.0
  Trade, transportation,             
  and utilities..........   1.4   1.4
    Retail trade.........   1.7   1.7
  Financial activities...   2.8   2.8
    Finance and insurance   2.8   2.8
      Credit                         
      intermediation and             
      related activities    2.8   2.8
      Insurance carriers             
      and related                    
      activities.........   6.5   6.5
  Professional and                   
  business services......   2.4   2.4
  Education and health               
  services...............   2.0   2.0
    Educational services    0.7   0.7
      Junior colleges,               
      colleges, and                  
      universities.......   0.9   0.9
    Health care and                  
    social assistance....   2.4   2.4
                                     
1 to 99 workers..........   1.4   1.4
  1 to 49 workers........   1.8   1.8
  50 to 99 workers.......   2.2   2.2
100 workers or more......   1.3   1.3
  100 to 499 workers.....   1.8   1.8
  500 workers or more....   1.4   1.4
                                     
     Geographic area                 
                                     
Middle Atlantic..........   1.9   1.9
East North Central.......   2.5   2.5
West North Central.......   3.8   3.8
South Atlantic...........   2.3   2.3
East South Central.......   3.6   3.6
West South Central.......   2.6   2.6
Mountain.................   2.3   2.3
Pacific..................   1.6   1.6

  1 A high deductible health plan
(HDHP) is health plan which typically
has a higher deductible and lower
premiums than a traditional health
plan. Normally the plan includes
catastrophic coverage to protect
against large medical expenses, but
the insured is responsible for
routine out-of-pocket expenses.
  2 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: 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.