Table 36. Standard errors for high deductible(1) and
non-high deductible health plans: Summary of plan types,
state and local government workers, National Compensation
Survey, 2011
                                                            
                                                            
                                            High    Non-high
            Characteristics              deductib- deductib-
                                         le health le health
                                           plans     plans  
                                                            
                                                            
All workers.............................       0.7       0.7
                                                            
         Worker characteristic                              
                                                            
Management, professional, and related...       0.8       0.8
  Professional and related..............       0.8       0.8
    Teachers............................       1.0       1.1
      Primary, secondary, and special                       
      education school teachers.........       1.3       1.3
Service.................................       1.0       1.1
  Protective service....................       1.4       1.4
Sales and office........................       0.9       1.1
  Office and administrative support.....       1.0       1.1
Natural resources, construction, and                        
maintenance.............................       1.4       1.4
Production, transportation, and material                    
moving..................................       2.3       2.4
                                                            
Full time...............................       0.7       0.7
Part time...............................       1.8       1.8
                                                            
Union...................................       0.6       0.6
Nonunion................................       1.0       1.1
                                                            
Average wage within the following                           
categories:(2)                                              
  Lowest 25 percent.....................       1.2       1.4
    Lowest 10 percent...................       2.3       2.9
  Second 25 percent.....................       0.7       0.7
  Third 25 percent......................       0.9       1.0
  Highest 25 percent....................       0.8       0.8
    Highest 10 percent..................       0.4       0.5
                                                            
      Establishment characteristic                          
                                                            
Service-providing industries............       0.7       0.7
  Education and health services.........       0.9       0.9
    Educational services................       0.9       1.0
      Elementary and secondary schools..       1.2       1.2
      Junior colleges, colleges, and                        
      universities......................       0.9       1.2
    Health care and social assistance...       1.5       1.5
      Hospitals.........................         –       1.8
  Public administration.................       1.0       1.0
                                                            
1 to 99 workers.........................       2.2       2.1
  1 to 49 workers.......................         –       2.3
  50 to 99 workers......................       3.9       3.8
100 workers or more.....................       0.7       0.7
  100 to 499 workers....................       1.1       1.4
  500 workers or more...................       0.8       0.8
                                                            
State government........................       0.5       0.7
Local government........................       0.9       0.9
                                                            
            Geographic area                                 
                                                            
New England.............................         –       1.7
Middle Atlantic.........................         –       0.6
East North Central......................       2.4       2.2
West North Central......................       2.4       3.1
South Atlantic..........................       1.6       1.9
West South Central......................       2.8       2.8
Mountain................................         –       4.8
Pacific.................................         –       1.2

  1 A high deductible health plan (HDHP) is a health plan
which typically has a higher deductible and lower premium
than a traditional health plan.  An individual plan must
have a minimum deductible of $1,200 to be classified as a
HDHP.  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 with earnings
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, 2010." 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/glossary20102011.htm.