Employer-sponsored health insurance is the largest source of health coverage for people under 65, covering 165.6 million people in March 2025, but its reach is uneven. About four in five (80%) adult workers under age 65 work for an employer that offers health insurance to at least some employees—a share that falls to 60% for lower-paid workers. Additionally, some workers do not enroll even when coverage is offered: employer-sponsored health insurance covered only 22.5% of people under 65 with incomes below 200% of poverty—compared to 82.5% of people with incomes of at least 400% of poverty.
This analysis examines who among people under 65 have employer coverage and which workers are offered and eligible for coverage at their jobs, using the Annual Economic and Social (March) Supplements of the Current Population Survey.
The analysis of part of the Peterson-KFF Health System Tracker, an online information hub dedicated to monitoring and assessing the performance of the U.S. health system.
