Table 37. High deductible health plans:(1) Amount of annual individual deductible, state
and local government workers, National Compensation Survey, 2011

(Includes workers participating in high deductible health plans)
                                                                                          
                                                                                          
                                                    Amount of annual deductible           
                                                                                          
                                                                                          
            Characteristics                 10th      25th      50th      75th      90th  
                                         percenti- percenti- percenti- percenti- percenti-
                                             le        le        le        le        le   
                                                              (median)                    
                                                                                          
                                                                                          
All workers.............................    $1,200    $1,500    $2,000    $2,500    $3,000
                                                                                          
         Worker characteristic                                                            
                                                                                          
Management, professional, and related...     1,200     1,500     2,000     2,500     3,000
  Professional and related..............     1,200     1,500     2,000     2,500     3,000
    Teachers............................     1,200     1,500     2,000     2,400     3,000
      Primary, secondary, and special                                                     
      education school teachers.........     1,200     1,500     2,000     2,400     3,000
Service.................................     1,200     1,500     2,000     2,500     3,000
  Protective service....................     1,200     1,500     2,000     2,500         –
Sales and office........................     1,200     1,300     2,000     2,500     3,000
  Office and administrative support.....     1,200     1,300     1,800     2,500     3,000
Natural resources, construction, and                                                      
maintenance.............................     1,250     1,500         –     2,500     3,000
Production, transportation, and material                                                  
moving..................................     1,200     1,500         –     2,500     2,500
                                                                                          
Full time...............................     1,200     1,500     2,000     2,500     3,000
Part time...............................     1,500     1,500     2,000         –         –
                                                                                          
Union...................................     1,250     1,500     2,000     2,500     3,000
Nonunion................................     1,200     1,500     2,000     2,500     3,000
                                                                                          
Average wage within the following                                                         
categories:(2)                                                                            
  Lowest 25 percent.....................     1,200     1,500     2,000     2,500     3,000
    Lowest 10 percent...................     1,200     1,500     2,000     2,500         –
  Second 25 percent.....................     1,250     1,500     1,800     2,500     3,000
  Third 25 percent......................     1,200     1,300     1,500     2,400     3,000
  Highest 25 percent....................     1,200     1,300     2,000     2,500     3,000
    Highest 10 percent..................     1,200     1,250     1,500     2,300         –
                                                                                          
      Establishment characteristic                                                        
                                                                                          
Service-providing industries............     1,200     1,500     2,000     2,500     3,000
  Education and health services.........     1,200     1,500     2,000     2,500     3,000
    Educational services................     1,200     1,500     1,800     2,400     3,000
      Elementary and secondary schools..     1,200     1,500     2,000     2,500     3,000
      Junior colleges, colleges, and                                                      
      universities......................     1,250     1,250     1,550     2,000         –
    Health care and social assistance...     1,500     1,500     2,500     3,000     3,000
  Public administration.................     1,200     1,500     2,000     2,500         –
                                                                                          
1 to 99 workers.........................     1,250     1,500     2,000     2,500     3,000
  50 to 99 workers......................     1,250     1,500     2,000     2,500     2,500
100 workers or more.....................     1,200     1,500     1,800     2,500     3,000
  100 to 499 workers....................     1,200     1,500     2,400     3,000         –
  500 workers or more...................     1,200     1,300     1,500     2,300     3,000
                                                                                          
State government........................     1,200     1,250     1,700     2,500     3,000
Local government........................     1,200     1,500     2,000     2,500     3,000
                                                                                          
            Geographic area                                                               
                                                                                          
East North Central......................     1,500     2,000     2,500     3,000         –
West North Central......................     1,200     1,500     1,500     2,500     3,000
South Atlantic..........................     1,200     1,250     1,500     2,000     3,000
West South Central......................     1,200     1,250     2,000     2,400     2,500

  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.