How do U.S. employers fund their health plans?
Fully-insured, self-insured (self-funded), and level-funded prevalence across verified employer plans — nationally and by industry and state.
Across 14,073 verified employers, Fully-Insured is the most common at 65%, followed by Self-Insured (25%).
Based on 14,073 verified employers · refreshed monthly · prevalence, not cost.
Plan funding mix
% of employers by funding approach
Self-funding by industry
% of employers that self-fund, top 10.
Self-funding by state
% of employers that self-fund, top 10.
Frequently asked
What percentage of U.S. employers are fully-insured?
About 65% of employers are fully-insured, based on Bnchmrk's verified plan data across 14,073 employers. Figures are refreshed monthly and reflect prevalence (not cost).
What percentage of U.S. employers self-fund their plan?
About 25% of employers self-fund their plan, based on Bnchmrk's verified plan data across 14,073 employers. Figures are refreshed monthly and reflect prevalence (not cost).
Which industry has the highest rate of employers that self-fund?
Healthcare & Welfare - Hospitals leads, where about 56% of employers self-fund, per Bnchmrk's verified data.
Want this for a specific market? Explore benchmarks by state and industry, or see all benchmark stats.
Benchmark your own plans
These are national prevalence rates. To see how your plans compare against your peer group — with full cost and plan-design benchmarks — get a report.