This measure reports the percentage of employers that offer health insurance coverage to employees and retirees. Employer-sponsored coverage is the primary source of health insurance for Americans.
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Percentage of Employers Offering Health Insurance to Employees and Early Retirees
Total number of establishments, governmental units, or both that offer health insurance during the year (or health insurance to retirees under the age of 65 during the year) divided by the comparable total number of establishments, governmental units, or both.
Measure Methodology Change: Data collection changed from retrospective in 2006 to current in 2008.
Missing Data Year: The year 2007 is excluded due to a change in data collection strategy.
Inclusion Criteria: Private-sector establishments include all establishments in the United States with at least one employee. (Frame is the U.S. Census Bureau' Business Register.) Governmental units include all State and local governmental units in the United States. (Frame is the Census of Governments).
Exclusion Criteria: Private-sector establishments exclude self-employed with no employees. Governmental units exclude Federal workers and the military.
Establishment: A particular workplace or physical location where business is conducted or services or industrial operations are performed. This is also known as a site. The sample is chosen at the establishment level, and the MEPS-IC data are collected at the establishment level whenever possible.
Firm: A business entity consisting of one or more establishments under common ownership or control (also known as an enterprise). A firm represents the entire organization, including the company headquarters and all divisions, subsidiaries and branches. A firm may consist of a single-location establishment or multiple establishments. In the case of a single-location firm, the firm and establishment are identical. Firm size is the total number of employees for the entire firm as reported on the sample frame.
Early Retirees: Retirees under age 65.
Standard Errors are not displayed on this website. For full survey disclosure, starting with 2014 tables, standard errors (SEs) for the MEPS-IC estimates will be calculated using the Taylor Series method described in Cochran (1977). The SEs for the MEPS-IC estimates from 1996-2013 were calculated using the Random Groups method (Wolter, 1985). The Taylor Series method could not be implemented in the early years of the MEPS-IC due to resource limitations, but recent research showed that it is the preferred method for calculating SEs for this survey. The two methods produce similar but not identical values. Because both methods produce unbiased SEs, differences in estimates between years can be tested using the SEs provided in the tables. A descriptive paper summarizing the findings from an evaluation project covering the impact of changing to the Taylor Series approach will be forthcoming from and provided on the AHRQ website. Please visit their website for more details.
This measure is calculated by the Agency for Healthcare Research and Quality/Center for Financing, Access and Cost Trends (AHRQ/CFACT) from the Medical Expenditure Panel Survey - Insurance Component (MEPS-IC).