According to the data, among all firms, the percentage of employees covered by self-funded plans had increased from 44 percent in 1999 to a record high of 67 percent in 2020 before decreasing slightly to 65 percent in 2023. 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. from 1999 to 2023.
Percentage of U.S. workers covered by self-funded health insurance plans from 1999 to 2023
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%
0%10%20%30%40%50%60%70%80%
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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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Kaiser Family Foundation. (October 18, 2023). Percentage of U.S. workers covered by self-funded health insurance plans from 1999 to 2023 [Graph]. In Statista. Retrieved May 09, 2025, from https://www.statista.com/statistics/985324/self-funded-health-insurance-covered-workers/
Kaiser Family Foundation. "Percentage of U.S. workers covered by self-funded health insurance plans from 1999 to 2023." Chart. October 18, 2023. Statista. Accessed May 09, 2025. https://www.statista.com/statistics/985324/self-funded-health-insurance-covered-workers/
Kaiser Family Foundation. (2023). Percentage of U.S. workers covered by self-funded health insurance plans from 1999 to 2023. Statista. Statista Inc.. Accessed: May 09, 2025. https://www.statista.com/statistics/985324/self-funded-health-insurance-covered-workers/
Kaiser Family Foundation. "Percentage of U.S. Workers Covered by Self-funded Health Insurance Plans from 1999 to 2023." Statista, Statista Inc., 18 Oct 2023, https://www.statista.com/statistics/985324/self-funded-health-insurance-covered-workers/
Kaiser Family Foundation, Percentage of U.S. workers covered by self-funded health insurance plans from 1999 to 2023 Statista, https://www.statista.com/statistics/985324/self-funded-health-insurance-covered-workers/ (last visited May 09, 2025)
Percentage of U.S. workers covered by self-funded health insurance plans from 1999 to 2023 [Graph], Kaiser Family Foundation, October 18, 2023. [Online]. Available: https://www.statista.com/statistics/985324/self-funded-health-insurance-covered-workers/
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