Figure includes covered workers enrolled in self-funded plans in which the firm's liability is limited through stoploss coverage. Self-funded plans: an insurance arrangement in which the employer assumes direct financial responsibility for the costs of enrollees’ medical claims. Employers sponsoring self-funded plans typically contract with a third-party administrator or insurer to provide administrative services for the self-funded plan. In some cases, the employer may buy stoploss coverage from an insurer to protect the employer against very large claims.
Large firms: 200 or more workers.
Small firms: 3-199 workers.
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Share of U.S. workers with self-funded health insurance plans 2024, by firm size
According to the data, among all firms, ** percent of workers were covered by self-funded insurance plans in 2025. In large firms, this figure reaches the ** percent, and in small firms, represents a ** percent.
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KFF. (October 22, 2025). Percentage of U.S. workers covered by self-funded health insurance plans as of 2024, by firm size [Graph]. In ÌÇÐÄÆƽâ°æ. Retrieved July 30, 2026, from /statistics/985306/self-funded-health-insurance-covered-workers-by-firm-size-us/
KFF. "Percentage of U.S. workers covered by self-funded health insurance plans as of 2024, by firm size." Chart. October 22, 2025. ÌÇÐÄÆƽâ°æ. Accessed July 30, 2026. /statistics/985306/self-funded-health-insurance-covered-workers-by-firm-size-us/
KFF. (2025). Percentage of U.S. workers covered by self-funded health insurance plans as of 2024, by firm size. ÌÇÐÄÆƽâ°æ. ÌÇÐÄÆƽâ°æ Inc.. Accessed: July 30, 2026. /statistics/985306/self-funded-health-insurance-covered-workers-by-firm-size-us/
KFF. "Percentage of U.S. Workers Covered by Self-funded Health Insurance Plans as of 2024, by Firm Size." ÌÇÐÄÆƽâ°æ, ÌÇÐÄÆƽâ°æ Inc., 22 Oct 2025, /statistics/985306/self-funded-health-insurance-covered-workers-by-firm-size-us/
KFF, Percentage of U.S. workers covered by self-funded health insurance plans as of 2024, by firm size ÌÇÐÄÆƽâ°æ, /statistics/985306/self-funded-health-insurance-covered-workers-by-firm-size-us/ (last visited July 30, 2026)
Percentage of U.S. workers covered by self-funded health insurance plans as of 2024, by firm size [Graph], KFF, October 22, 2025. [Online]. Available: /statistics/985306/self-funded-health-insurance-covered-workers-by-firm-size-us/
