More than half (55.9%) of nonfederal employees with employer-sponsored insurance were required to pay a deductible in 2004, which varied by the size of the firm and industry, according to a statistical brief by the Agency for Healthcare Research and Quality. For single coverage, the nonfederal deductible average was $529, with construction workers paying the highest at $737 and state and local government workers paying the lowest deductible at $393. The national nonfederal deductible average for family coverage was $1,072, with construction workers paying $1,544 and retail employees paying $1,254. More than three-quarters (77.3%) of nonfederal workers covered by employer-sponsored insurance also had required copays, which averaged $17.49. Workers in mining and manufacturing, construction, and retail industries had copays ranging from $18.17 to $19.25. The average co-insurance for a physician visit was 18.6%.
