Table 8. Fee-for-service plans: Amount of annual individual out-of-pocket maximum,(1) private industry workers, National Compensation Survey, 2008 (All workers participating in fee-for-service plans = 100 percent) Amount of out-of-pocket maximum With With no out-of- out-of- Not Characteristic Total pocket 10th 25th 50th 75th 90th pocket determin- maximum percenti- percenti- percenti- percenti- percenti- maximum able le le le le le (median) All workers............................. 100 81 $800 $1,200 $2,000 $2,500 $3,500 16 3 Worker characteristic Management, professional, and related... 100 82 650 1,000 1,750 2,500 3,000 16 2 Management, business, and financial... 100 83 800 1,200 1,750 2,500 3,000 15 1 Professional and related.............. 100 81 600 1,000 1,700 2,225 3,000 16 3 Service................................. 100 74 1,000 1,500 2,000 2,750 5,000 17 10 Sales and office........................ 100 82 900 1,250 2,000 2,500 3,500 16 2 Sales and related..................... 100 85 1,000 1,500 2,000 3,000 3,800 14 1 Office and administrative support..... 100 80 750 1,200 2,000 2,500 3,500 17 3 Natural resources, construction, and maintenance............................. 100 76 800 1,000 2,000 2,400 3,000 20 4 Construction, extraction, farming, fishing, and forestry................. 100 78 750 1,000 2,000 2,400 3,000 20 2 Installation, maintenance, and repair 100 74 800 1,000 1,750 2,200 3,000 20 6 Production, transportation, and material moving.................................. 100 83 990 1,250 1,750 2,500 3,000 16 2 Production............................ 100 81 900 1,200 1,700 2,300 3,000 16 2 Transportation and material moving.... 100 85 1,000 1,300 2,000 2,500 3,700 14 1 Full time............................... 100 81 800 1,200 2,000 2,500 3,500 16 3 Part time............................... 100 76 750 1,000 1,700 2,900 3,500 21 3 Union................................... 100 70 750 1,000 1,750 2,400 3,300 25 6 Nonunion................................ 100 83 800 1,200 2,000 2,500 3,500 15 3 Average wage within the following percentiles:(2) Less than 10.......................... 100 82 1,300 1,500 1,850 2,600 3,700 – – 10 to under 25........................ 100 78 1,000 1,500 2,000 3,000 4,000 13 9 25 to under 50........................ 100 80 900 1,250 2,000 2,500 3,500 16 4 50 to under 75........................ 100 81 990 1,250 2,000 2,500 3,250 17 2 75 to under 90........................ 100 81 750 1,000 1,750 2,500 3,000 17 2 90 or greater......................... 100 82 600 1,000 1,600 2,250 3,000 15 2 Establishment characteristic Goods-producing industries.............. 100 83 825 1,000 1,700 2,400 3,000 16 1 Construction.......................... 100 82 750 1,000 2,000 2,500 3,500 17 1 Manufacturing......................... 100 82 990 1,150 1,650 2,200 3,000 16 1 Service-providing industries............ 100 80 800 1,240 2,000 2,500 3,500 16 4 Trade, transportation, and utilities.. 100 87 1,000 1,500 2,000 3,000 4,000 12 2 Wholesale trade..................... 100 82 1,000 1,500 2,000 3,000 4,811 16 2 Retail trade........................ 100 91 1,000 1,500 2,000 3,000 3,850 7 3 Transportation and warehousing...... 100 87 1,000 1,350 2,000 2,500 3,500 – – Utilities........................... 100 71 650 700 1,500 2,250 3,000 – – Information........................... 100 77 800 1,000 1,500 2,000 4,000 21 2 Financial activities.................. 100 81 950 1,250 2,000 2,500 3,250 16 3 Finance and insurance............... 100 77 850 1,000 2,000 2,300 3,000 20 4 Credit intermediation and related activities........................ 100 76 1,000 1,250 2,000 2,500 3,500 22 3 Insurance carriers and related activities........................ 100 75 600 1,000 1,500 2,200 3,000 18 7 Real estate and rental and leasing.. 100 96 1,000 1,750 2,000 2,750 3,250 – – Professional and business services.... 100 80 600 1,000 2,000 2,500 3,000 13 7 Professional and technical services 100 84 600 750 1,500 2,000 3,000 – – Administrative and waste services... 100 73 700 1,000 2,000 3,000 3,500 – – Education and health services......... 100 69 750 1,000 2,000 2,000 3,000 28 3 Educational services................ 100 75 500 850 1,250 1,750 2,500 25 – Junior colleges, colleges, and universities...................... 100 69 500 800 1,250 2,000 3,000 31 – Health care and social assistance... 100 68 800 1,250 2,000 2,200 3,000 28 4 Leisure and hospitality............... 100 85 1,000 1,500 2,000 2,250 5,000 – – Accommodation and food services..... 100 86 900 1,500 1,850 2,200 5,000 – – Other services........................ 100 92 900 1,300 1,500 2,000 2,400 – – 1 to 99 workers......................... 100 83 1,000 1,250 2,000 2,500 3,500 13 4 1 to 49 workers....................... 100 82 1,000 1,300 2,000 2,500 3,500 14 4 50 to 99 workers...................... 100 86 1,000 1,000 1,850 2,500 3,750 11 3 100 workers or more..................... 100 79 750 1,000 1,750 2,500 3,500 19 3 100 to 499 workers.................... 100 81 750 1,000 2,000 2,500 3,500 17 2 500 workers or more................... 100 75 800 1,250 1,700 2,500 3,500 21 4 Geographic area New England............................. 100 64 750 1,000 2,000 2,700 3,000 35 1 Middle Atlantic......................... 100 60 900 1,000 1,500 2,400 3,000 35 5 East North Central...................... 100 82 750 1,000 1,600 2,250 3,000 13 6 West North Central...................... 100 88 500 1,000 1,500 2,000 3,000 – – South Atlantic.......................... 100 83 1,000 1,300 1,750 2,500 3,500 13 4 East South Central...................... 100 91 1,000 1,200 2,000 2,500 3,500 8 1 West South Central...................... 100 89 1,000 1,500 2,000 3,000 4,000 – – Mountain................................ 100 84 1,000 1,500 2,000 2,300 3,200 – – Pacific................................. 100 84 750 1,200 2,000 2,500 3,500 – – 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 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.