Employees covered by self-funded health insurance U.S. 2025| ��ƽ��

Percentage of U.S. workers covered by self-funded health insurance plans from 1999 to 2025

Characteristic	Percentage of workers
1999	44%
2000	49%
2001	49%
2002	49%
2003	52%
2004	54%
2005	54%
2006	55%
2007	55%
2008	55%
2009	57%
2010	59%
2011	60%
2012	60%
2013	61%
2014	61%
2015	63%
2016	61%
2017	60%
2018	61%
2019	63%
2020	69%
2021	64%
2022	67%
2023	67%
2024	65%
2025	67%

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Release date

October 2025

More information

Region

United States

Survey time period

1999 to 2025

Number of respondents

base: 1,862 non-federal public and private firms

Method of interview

Computer-assisted telephone interviews (CATI)

Supplementary notes

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.

Citation formats

Among all firms, the percentage of employees covered by self-funded plans had increased from 44 percent in 1999 to a record high of 69 percent in 2020 before decreasing slightly to 64 percent in 2021 and then increasing to 67 percent in 2022. As of 2025, the percentage remains at 67 percent. Self-funded plans are those in which companies choose to pay for some or all of the health services of their workers directly rather than purchasing health insurance for them.