Employees covered by self-funded health insurance by industry U.S. 2022

According to the data, 80 percent of workers in the retail sector were covered by self-funded health insurance in 2022. 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. This statistic depicts the percentage of workers covered by self-funded health insurance plans in the U.S. as of 2022, by industry.

Percentage of U.S. workers covered by self-funded health insurance plans in 2022, by industry

Characteristic	Percentage of workers
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Release date

October 2022

More information

Region

United States

Survey time period

2022

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.

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