The percentage of uninsured employees reporting cost as a reason for not having coverage has been at or near 90% since late 2009. According to the EBRI, these employees were referring to either the cost of employment-based coverage or coverage that could be purchased directly from an insurer. Between 1995 and 1997, uninsured employees citing cost as a reason for that status increased from 73% to 84%, then settled into the low-80% range through 1999.
EBRI’s analysis found that there is a strong link between health benefits and employment, with employment-based health benefits remaining the most common form of coverage for “the nonpoor and nonelderly individuals in the United States.” In 2011, 58.4% of nonelderly individuals (under age 65) were covered by an employer-based health benefits plan. This included 68.3% of workers, 34.7% of nonworking adults and 54.7% of children.
More information on this topic can be found in the July 2013 issue of EBRI Notes, which can be found here.