Table 1. Cost sharing provisions in non-health maintenance organization medical insurance plans, full-time participants, private industry, selected years, 1992-93 to 2003

Table 1. Cost sharing provisions in non-health maintenance organization medical insurance plans, full-time participants, private industry, selected years, 1992-93 to 2003
Average Provision(1)	1992-93	1994-95	1995-96	1996-97	2000
Individual
Annual deductible(2)	$219	$255	$279	$288	$334
Annual out-of-pocket maximum(4)	1,197	1,285	1,446	1,553	1,469
Lifetime maximum(5)	972,000	927,000	880,000	1,225,000	1,658,000
Family
Annual deductible(2)	(6)	(6)	(6)	(6)	799
Annual out-of-pocket maximum(4)	(7)	2,669	3,027	3,146	3,165
Footnotes: (1) The average is presented for all covered workers; averages exclude workers without the plan provision. (2) The deductible is the amount of covered expenses that an individual or family must pay before any charges are paid by the medical plan. Deductibles that apply separately to a specific category of expenses, such as a deductible for each hospital admission, were excluded from this tabulation. (4) The out-of-pocket expense maximum is the amount an individual or family must pay before the plans will pay 100 percent of additional charges. Deductibles were excluded from computation of the out-of-pocket dollar limit. Usually, out-of-pocket limits were specified on an annual basis. Charges for certain services, such as mental health care, may not be counted toward the out-of-pocket maximum. (5) The maximum is the total amount of expenses that the plan will pay. The maximum described is for each insured person. Where the maximum differed for employees and dependents, the employee maximum was tabulated. (6) Data were not published for these years. Most commonly, family deductibles were equal to 2 or 3 times the individual deductible. (7) Data were not published for this year.