Employer-sponsored health coverage is the most common type of health insurance. About 157 million nonelderly Americans receive their health benefits through an employer.
Large Group
The large group market is employer-sponsored health insurance that typically covers more than 50 employees, although the number may vary depending on state law. Many large employers choose to “self-fund,” so that they bear the ultimate risk for claims costs. These self-funded arrangements may be administered by a third-party administrator (TPA) or a health insurance plan. Other large groups provide coverage to their employees through “fully insured” coverage from an insurance carrier. Employees have a strong incentive to sign up for employer coverage, regardless of their health or financial status. When nearly everybody in a firm signs up, premiums reflect the average cost of coverage for a cross-section of people.
Small Group
The small group market is employer-sponsored health insurance that typically covers 2-50 individuals within a firm. Small businesses commonly rely on this market to provide a competitive benefits package to their employees. Coverage in the small group market is offered on a guarantee-issue basis.
Latest Documents
The Kaiser Family Foundation conducts this annual survey of employers and provides a detailed look at trends in employer-sponsored health coverage, including premiums, employee contributions, cost-sharing provisions, and other relevant information.
AHIP Web Resources
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Strategic Communications
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06/05/2012
In July 2010, America’s Health Insurance Plans (AHIP) conducted a comprehensive survey of member companies offering coverage in the small group health insurance market. Responses included premium and benefit data from more than 477,000 small groups (those with 50 or fewer employees), reflecting approximately 3.7 million workers and 1.3 million dependents with coverage as of January 2010.
Research
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Product Policy, Center for Policy and Research
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07/08/2011
The Kaiser Family Foundation conducts this annual survey of employers and provides a detailed look at trends in employer-sponsored health coverage, including premiums, employee contributions, cost-sharing provisions, and other relevant information.
AHIP Web Resources
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09/02/2010
In response to questions from Congressman Crowley, AHIP explains the factors that are likely to cause potential premium increases within the small group market in the coming years.
12/15/2009
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Center for Policy and Research
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Center for Policy and Research
AHIP member company produced video - BCBS of Massachusetts: The Alternative Quality of Contract
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AHIP member company produced video - Cigna: A Cigna Member Tells How the Health Plan Helped Her Following a Car Accident
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AHIP member company produced video - Cigna: A Cigna Member with Diabetes Tells How the Health Plan's Wellness Program Turned Her Life Around
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Center for Policy and Research
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Center for Policy and Research
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Excellus Blue Cross Blue Shield - Keeping Medications Affordable
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Center for Policy and Research
Excellus Blue Cross Blue Shield Video - Overcoming Confusion about Medications after a Hospital or Rehab Stay
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Center for Policy and Research
Excellus Blue Cross Blue Shield Video - Protecting Patients from Adverse Drug Interactions
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Center for Policy and Research
AHIP member company produced video - Group Health Cooperative: Living Well with Chronic Conditions
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AHIP member company produced video - Group Health Cooperative: The Medical Home
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HealthPartners Video - Achieving Results that Make a Difference for Diabetes Patients
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Center for Policy and Research
HealthPartners Video - Coaching Patients on Reaching Goals for Better Health
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Center for Policy and Research
Health Partners Video - Empowering Patients with Diabetes to Improve Their Health
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Center for Policy and Research
HealthPartners Video -The Diabetes Wizard
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Center for Policy and Research
AHIP member company produced video - Humana: Humana Cares
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Independence Blue Cross video - Enabling Doctors and Nurses to Realize their Goals for Excellence
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Center for Policy and Research
Independence Blue Cross's doctors, nurses, medical assistants, and pharmacists work together to make sure that patients have the lab tests, primary and specialty care, and patient support they need to live healthy lives.
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Center for Policy and Research
Kaiser Permanente Video - Making Exercise a Vital Sign
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Kaiser Permanente Video - Offering Culturally Sensitive Counseling for Weight Loss
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Center for Policy and Research
Kaiser Permanente Video - Using Web-Based Learning and Social Media to Help Patients Lose Weight
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AHIP member company produced video - Sentra/Optima Health: The Wellness Payoff
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