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Testimony: The Current Status of Employer Health Insurance Coverage in the United States

Invited Testimony: U.S. Senate Committee on Finance, Hearing on “Health Insurance Coverage in America: Current and Future Role of Federal Programs,” October 20, 2021
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  • “The cost burden of commercial insurance is an enduring problem in U.S. health care that is undermining America’s overall economic well-being,” said Commonwealth Fund health economist Sara Collins at a Senate Finance Comm. hearing

  • With the Affordable Care Act’s constitutionality affirmed, Congress can use tools provided by the ACA to cover people who remain uninsured and make health care more affordable for those with either commercial or public insurance

Toplines
  • “The cost burden of commercial insurance is an enduring problem in U.S. health care that is undermining America’s overall economic well-being,” said Commonwealth Fund health economist Sara Collins at a Senate Finance Comm. hearing

  • With the Affordable Care Act’s constitutionality affirmed, Congress can use tools provided by the ACA to cover people who remain uninsured and make health care more affordable for those with either commercial or public insurance

Authors

Thank you, Mr. Chairman, members of the Committee, for this invitation to testify today on the current status of employer health insurance coverage in the United States. My comments will focus on trends in enrollment, the share of employers offering health insurance to workers, the costs of insurance and health care for people who are enrolled in the plans, and policy options to improve workers’ coverage.

Employer Health Insurance Is the Backbone of the U.S. Health Insurance System

Employer health insurance continues to be the primary source of insurance coverage for the majority of the U.S. population. More than half the population under age 65 — about 163 million people — get their health insurance through an employer, either their own or a family member’s (Exhibit 1).

Collins_Senate_Finance_Comm_Testimony_10-20-2021_exhibit_01

Read the full testimony.

Publication Details

Date

Contact

Sara R. Collins, Vice President, Health Care Coverage and Access, The Commonwealth Fund

[email protected]

Citation

Sara R. Collins, The Current Status of Employer Health Insurance Coverage in the United States, Invited Testimony, U.S. Senate Committee on Finance, Hearing on “Health Insurance Coverage in America: Current and Future Role of Federal Programs” Oct. 20, 2021. https://doi.org/10.26099/6mv0-an15