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Self-Insured Health Plans: 1996-2013 Statistical Snapshot

According to a new analysis from the Employee Benefit Research Institute, 58.2% of workers with employee health coverage were in employer self-insured plans in 2013. That’s an increase from the 46% covered in 1996. The size of the business matters. Only 11.5% of employers with less than 50 employees were self-insured in 2013, while 85.6% of larger businesses with 1000 or more employees offered a self-insured health plan.

Federal law allows multi-state employers to self-insure [or directly fund worker health care expenses] in order to provide uniform benefits to all its employees across states. This contrasts with fully-insured health plans where a premium is paid to a health insurance plan that is regulated at the state level and subject to varying state mandates.

The EBRI report also offers health self-insurance data at the state and industry level, although the health care industry is not one of the industries included.

Source: Fronstein P. Self-insurance health plans: state variation and recent trends by firm size, 1996-2013. EBRI [Employee Benefit Research Institute] Notes, June 2015. http://www.ebri.org/pdf/notespdf/EBRI_Notes_06_June15_SI-AutoIRAs.pdf 


Self-insured group health plans. Self-Insurance Institute of America, accessed Aug. 12, 2015 at http://www.siia.org/i4a/pages/Index.cfm?pageID=4546

Directory of self-funded group plans. Judy Diamond Associates, Inc., accesssed Aug. 12, 2015 at http://www.judydiamond.com/products/self-funded-directory/  [This vendor also offers free registration to use its FreeERISA database at http://freeerisa.benefitspro.com/; employer self-insured health plans and pension plans file ERISA Forms 5500 with federal government]

Posted by AHA Resource Center (312) 422-2050, rc@aha.org

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