Table 15. Standard errors for health maintenance organizations: Amount of annual individual out-of-pocket maximum, private industry workers, National Compensation Survey, 2011 Amount of out-of-pocket maximum With With no out-of- out-of- Not Characteristics pocket 10th 25th 50th 75th 90th pocket determin- maximum percenti- percenti- percenti- percenti- percenti- maximum able le le le le le (median) All workers............................. 3.4 – $0 $190 $63 $537 3.2 0.3 Worker characteristic Management, professional, and related... 5.2 $67 0 305 553 277 5.2 0.7 Management, business, and financial... 5.2 242 0 362 531 694 4.0 1.9 Professional and related.............. 7.4 187 0 361 590 707 7.4 0.1 Service................................. 6.9 0 0 – – 0 6.9 – Protective service.................... 13.8 0 0 – 219 0 – – Sales and office........................ 4.9 – 0 0 701 98 4.9 0.1 Sales and related..................... 7.5 – 0 177 357 491 – – Office and administrative support..... 5.6 – 0 0 855 528 5.6 0.1 Natural resources, construction, and maintenance............................. 7.6 98 302 405 673 196 7.8 0.7 Construction, extraction, farming, fishing, and forestry................. 8.4 – 85 – 98 – – – Installation, maintenance, and repair 10.9 0 500 310 171 707 10.9 – Production, transportation, and material moving.................................. 5.6 92 98 240 447 405 5.6 – Production............................ 7.3 81 – 260 277 613 7.3 – Transportation and material moving.... 7.9 – 0 392 – 325 7.9 – Full time............................... 3.6 – 0 193 149 537 3.4 0.3 Part time............................... 6.5 39 367 188 – 1,059 6.5 – Union................................... 6.9 – 139 – 486 – 6.7 0.4 Nonunion................................ 3.4 403 0 240 441 367 3.3 0.3 Average wage within the following categories:(1) Lowest 25 percent..................... 4.6 0 0 284 525 – 4.6 – Lowest 10 percent................... 15.1 – 219 148 481 570 – – Second 25 percent..................... 6.4 0 0 0 685 219 6.4 0.1 Third 25 percent...................... 4.9 – 0 431 544 98 4.9 0.1 Highest 25 percent.................... 4.0 0 0 380 277 628 3.7 0.8 Highest 10 percent.................. 5.6 0 0 164 649 245 4.4 2.1 Establishment characteristic Goods-producing industries.............. 5.8 – 0 277 0 0 5.8 0.4 Construction.......................... 8.5 – 0 – 0 1,057 – – Manufacturing......................... 7.3 – 0 0 444 0 7.3 – Service-providing industries............ 3.9 – 0 172 439 651 3.8 0.3 Trade, transportation, and utilities.. 4.1 120 354 0 0 528 4.1 – Wholesale trade..................... 7.4 0 – 340 – – 7.4 – Retail trade........................ 6.1 – 0 – 0 597 6.1 – Utilities........................... 8.9 0 0 0 0 0 8.9 – Information........................... 9.0 – 147 – 803 0 – – Financial activities.................. 7.7 0 277 405 – 219 5.8 4.1 Finance and insurance............... 7.0 0 – 389 – 832 5.8 4.9 Credit intermediation and related activities........................ 7.5 – 139 264 367 – 7.5 – Insurance carriers and related activities........................ 11.0 132 271 570 – 589 – – Professional and business services.... 8.4 0 0 399 754 0 – – Professional and technical services 5.4 240 364 559 951 0 – – Education and health services......... 8.4 – 0 486 – 367 8.4 – Educational services................ 8.9 – 0 530 – 240 8.9 – Junior colleges, colleges, and universities...................... 5.2 0 260 – 98 51 5.2 – Healthcare and social assistance.... 10.5 – 0 – – 0 10.5 – Leisure and hospitality............... 8.8 0 0 475 0 737 – – 1 to 99 workers......................... 4.3 0 0 0 546 439 4.3 0.6 1 to 49 workers....................... 5.8 0 366 294 714 380 5.9 0.8 50 to 99 workers...................... 7.3 – 49 147 – 620 7.2 0.1 100 workers or more..................... 4.5 0 0 0 98 424 4.4 0.1 100 to 499 workers.................... 5.7 0 0 170 0 0 5.6 0.3 500 workers or more................... 4.9 – – 0 585 888 4.8 (2) Geographic area New England............................. 8.2 0 318 0 0 294 8.2 – Middle Atlantic......................... 11.9 – 219 – 689 491 10.2 1.9 East North Central...................... 3.7 240 0 325 0 0 3.7 – West North Central...................... – – – – – – 14.1 – South Atlantic.......................... 12.0 0 432 0 410 815 – – East South Central...................... 14.8 0 – – 0 110 – – West South Central...................... 6.2 450 0 – – 0 – – Mountain................................ 5.9 382 495 450 769 0 – – Pacific................................. 4.5 277 0 138 365 694 – – 1 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. 2 Less than 0.05. 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/glossary20112012.htm.