Employer Health Benefits Survey 2004: Exhibit 10.7: Percentage of Covered Workers Under Different Funding Arrangements, by Industry, 2004

Employer Health Benefits 2006 Annual Survey

Section 10: Plan Funding 2004: Exhibit 10.7: Percentage of Covered Workers Under Different Funding Arrangements, by Industry, 2004

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Exhibit 10.7: Percentage of Covered Workers Under Different Funding Arrangements, by Industry, 2004

	Fully Insured (Coverage Underwritten by an Insurer)	Self-Funded (Employer Bears Some or All of Financial Risk)
ALL PLANS
Mining/Construction/Wholesale*	65%	35%
Manufacturing*	27	73
Transportation/Communications/Utility*	27	73
Retail	51	49
Finance*	58	42
Service*	59	41
State/Local Government	41	59
Health Care*	31	69
ALL INDUSTRIES	46%	54%

* Estimates are statistically different from All Industries at p<.05.

Fully insured plan: A plan where the employer contracts with a health plan to assume financial responsibility for the costs of enrollees' medical claims.

Self-funded plan: A plan in which the employer assumes direct financial responsibility for the costs of enrollees’ medical claims. Employers sponsoring self-funded plans typically contract with a third-party administrator or insurer to provide administrative services for the self-funded plan.

Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2004.

The Kaiser Family Foundation and Health Research and Educational Trust
Program Area: Health Care Marketplace Project | Publication Date: 09/26/2006