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.
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Share of U.S. workers with self-funded health insurance plans in 2025, by industry
** percent of workers in the American retail sector were covered by self-funded health insurance in 2025. 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. Agriculture, mining and construction, on the other hand whose workers were less covered in this mechanism, with around ** percent of workers covered.
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KFF. (October 22, 2025). Percentage of U.S. workers covered by self-funded health insurance plans in 2025, by industry [Graph]. In ÌÇÐÄÆƽâ°æ. Retrieved July 29, 2026, from /statistics/985348/self-funded-health-insurance-covered-workers-by-industry/
KFF. "Percentage of U.S. workers covered by self-funded health insurance plans in 2025, by industry." Chart. October 22, 2025. ÌÇÐÄÆƽâ°æ. Accessed July 29, 2026. /statistics/985348/self-funded-health-insurance-covered-workers-by-industry/
KFF. (2025). Percentage of U.S. workers covered by self-funded health insurance plans in 2025, by industry. ÌÇÐÄÆƽâ°æ. ÌÇÐÄÆƽâ°æ Inc.. Accessed: July 29, 2026. /statistics/985348/self-funded-health-insurance-covered-workers-by-industry/
KFF. "Percentage of U.S. Workers Covered by Self-funded Health Insurance Plans in 2025, by Industry." ÌÇÐÄÆƽâ°æ, ÌÇÐÄÆƽâ°æ Inc., 22 Oct 2025, /statistics/985348/self-funded-health-insurance-covered-workers-by-industry/
KFF, Percentage of U.S. workers covered by self-funded health insurance plans in 2025, by industry ÌÇÐÄÆƽâ°æ, /statistics/985348/self-funded-health-insurance-covered-workers-by-industry/ (last visited July 29, 2026)
Percentage of U.S. workers covered by self-funded health insurance plans in 2025, by industry [Graph], KFF, October 22, 2025. [Online]. Available: /statistics/985348/self-funded-health-insurance-covered-workers-by-industry/
