Share of U.S. workers with self-funded health insurance plans 2022, by firm size

Percentage of U.S. workers covered by self-funded health insurance plans as of 2022, by firm size

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Release date

October 2022


United States

Survey time period


Number of respondents

base: 2,188 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.
Large firms: 200 or more workers.
Small firms: 3-199 workers.

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