Table 1.

Baseline Demographics of HSA Switchers and Traditional Plan Stayers, 2005

	All	HSA Enrollees	Traditional Plan Enrollees
Sample size	76,310	23,587	52,723
Female (%)	50.8	50.4	51.0
(SD)	(50.0)	(50.0)	(50.0)
Age	32.9	33.2	32.8
	(17.7)	(17.9)	(17.6)
Child under 18 (%)	27.1	26.9	27.3
	(44.5)	(44.3)	(44.5)
Firm size	1,867	942	2,281
	(1,699)	(1,172)	(1,734)
Firm type
Fully insured, full replacement	17.3	56.0	—
Fully insured, option	32.1	34.2	31.2
ASO, option	50.6	9.8	68.8
Region
Central	47.6	62.8	40.9
Northeast	10.9	4.7	13.7
Southeast	29.8	24.2	32.4
West	11.6	8.4	13.0
Industry (%)
Agriculture, forestry, fishing	0.1	0.2	0.0
Mining	3.8	6.5	2.6
Construction	12.0	5.4	15.0
Manufacturing	11.8	7.9	13.5
Transportation, communications, utilities	2.4	3.6	1.9
Wholesale trade	12.0	8.0	13.8
Retail trade	12.1	7.0	14.4
Insurance, real estate	9.3	10.5	8.8
Services	33.2	45.7	26.1
Public administration	1.7	1.8	1.7
Unknown	2.6	3.5	2.2

ASO, administrative services only; HSA, health savings accounts.