Employer Health Plan Funding in 2025

This chart shows the proportion of U.S. employers using fully insured, self-insured, or hybrid funding models for their health plans in 2025.

A large majority (70%) still rely on fully insured plans, but self-insurance (27%) remains a significant and growing strategy among larger employers.
Chart: J. Price McNamaraSource: SHRMCreated with Datawrapper