Table 7. Standard errors for fee-for-service plans: Amount of coinsurance,(1) private industry workers, National Compensation Survey, 2008 Fixed Variable coinsurance coinsurance Medi- Median coinsurance percentage Characteristic With an With fixed coin- vari- coin- sura- able sura- nce coin- In-netwo- Out-of- Point-of- nce perc- sura- rk network service enta- nce ge All workers............................. 1.3 0.00 1.3 0.00 0.00 0.00 Worker characteristic Management, professional, and related... 2.6 0.00 2.5 0.00 1.70 5.97 Management, business, and financial... 1.4 0.00 1.5 0.00 7.41 9.31 Professional and related.............. 3.8 0.00 3.5 0.00 0.00 4.05 Service................................. 3.5 14.98 3.5 0.00 0.00 10.62 Sales and office........................ 1.6 0.00 2.2 0.00 0.00 0.00 Sales and related..................... 1.9 0.00 1.9 0.00 0.00 2.77 Office and administrative support..... 2.0 0.00 3.1 0.00 0.00 0.00 Natural resources, construction, and maintenance............................. 3.5 0.00 3.5 5.10 4.50 7.60 Construction, extraction, farming, fishing, and forestry................. 4.8 0.00 4.8 10.84 9.76 12.87 Installation, maintenance, and repair 4.6 0.00 4.6 0.00 0.00 7.85 Production, transportation, and material moving.................................. 1.7 0.00 1.8 0.00 0.00 0.00 Production............................ 2.1 0.00 2.2 0.00 2.40 2.77 Transportation and material moving.... 2.5 0.00 2.5 5.10 0.98 7.07 Full time............................... 1.1 0.00 1.1 0.00 0.00 0.00 Part time............................... 6.5 0.00 9.5 3.54 1.68 7.14 Union................................... 2.9 0.00 2.9 4.50 2.77 0.00 Nonunion................................ 1.4 0.00 1.5 0.00 0.00 0.00 Average wage within the following percentiles:(2) Less than 10.......................... – 13.13 – 5.00 0.00 – 10 to under 25........................ – 2.60 – 0.00 0.00 0.00 25 to under 50........................ 1.2 0.00 1.2 0.00 0.00 0.00 50 to under 75........................ 1.7 0.00 1.6 0.00 0.00 0.00 75 to under 90........................ 2.3 0.00 2.3 8.21 5.74 7.14 90 or greater......................... 2.7 0.00 2.5 6.65 6.51 11.56 Establishment characteristic Goods-producing industries.............. 1.7 0.00 1.7 0.00 2.40 0.00 Construction.......................... 3.8 0.00 3.8 0.00 0.00 – Manufacturing......................... 1.8 0.00 1.8 0.00 6.13 1.96 Service-providing industries............ 1.5 0.00 1.6 0.00 0.00 3.10 Trade, transportation, and utilities.. 1.6 0.00 1.6 0.00 0.00 3.40 Wholesale trade..................... 2.6 0.00 2.6 5.64 0.00 2.77 Retail trade........................ 2.0 0.00 2.0 0.00 0.00 4.81 Transportation and warehousing...... 4.2 0.00 4.2 5.89 0.00 0.00 Utilities........................... – 9.61 – 1.96 3.25 – Information........................... 6.0 0.00 6.0 6.80 11.27 4.81 Financial activities.................. 3.1 0.00 3.2 7.28 7.47 5.86 Finance and insurance............... 3.1 0.00 3.3 5.89 3.67 5.86 Credit intermediation and related activities........................ 3.1 0.00 3.8 6.58 6.94 0.00 Insurance carriers and related activities........................ 6.4 0.00 6.6 7.01 1.70 6.65 Real estate and rental and leasing.. – 0.00 – 0.00 0.00 – Professional and business services.... 5.0 0.00 5.7 8.21 8.32 12.10 Professional and technical services – 0.00 – 7.66 0.00 13.87 Administrative and waste services... – 0.00 – 4.50 6.73 – Education and health services......... 2.2 14.94 2.2 0.00 0.00 4.06 Educational services................ – 0.00 – 8.21 8.09 1.96 Junior colleges, colleges, and universities...................... 3.0 0.00 3.9 0.00 0.98 0.00 Health care and social assistance... 2.5 17.44 2.5 0.00 0.00 5.22 Leisure and hospitality............... – 20.86 – 5.00 0.00 – Accommodation and food services..... – 16.30 – 2.94 0.00 – Other services........................ – 0.00 – 0.00 0.00 – 1 to 99 workers......................... 2.1 0.00 2.2 0.00 0.00 1.70 1 to 49 workers....................... 2.5 0.00 2.5 0.00 0.00 7.21 50 to 99 workers...................... 3.4 0.00 3.4 1.96 0.00 2.77 100 workers or more..................... 1.2 0.00 1.4 0.00 0.00 2.98 100 to 499 workers.................... 1.7 0.00 1.7 0.00 0.00 13.02 500 workers or more................... 1.7 0.00 2.4 0.00 5.80 0.00 Geographic area New England............................. – 0.00 – 10.20 8.27 0.00 Middle Atlantic......................... – 0.00 – 0.00 0.00 0.00 East North Central...................... 1.7 0.00 1.8 0.00 0.00 0.00 West North Central...................... – 0.00 – 0.00 0.00 1.96 South Atlantic.......................... 1.7 0.00 1.7 0.00 0.00 2.77 East South Central...................... – 0.00 – 7.85 11.69 13.34 West South Central...................... 1.8 0.00 1.8 0.00 0.00 5.55 Mountain................................ 5.2 0.00 6.8 0.00 0.00 0.00 Pacific................................. 2.4 0.00 2.4 3.92 7.51 10.28 1 Represents the initial coinsurance in plans that have 100 percent coverage after the individual pays a specified dollar amount towrad expenses. For example, the plan pays 80 percent until the individual's out-of-pocket expenses reach $1,000, and then coverage is 100 percent. 2 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: 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.