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Percentage of U.S. workers with self-funded health insurance plans 2021, by region

Percentage of U.S. workers covered by self-funded health insurance plans in 2021, by region

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Release date

November 2021


United States

Survey time period

January to July 2021

Number of respondents

base: 1,686 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.

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