Private-Market Health Insurance

Health insurance allows individuals, families and businesses to protect themselves against the risk of incurring sudden or significant medical costs related to their health. In addition to providing financial protection and peace of mind for policyholders, health insurance plans are increasingly providing programs and expertise to improve the quality and safety of patient care by promoting prevention and wellness, helping patients manage chronic conditions, partnering with medical providers, and driving innovations.

Polls show that people with private health insurance are consistently satisfied with their coverage. According to the Employee Benefits Research Group, 89% of people enrolled in a traditional health care plan were satisfied with the quality of coverage they received through their health plan. Other surveys have consistently demonstrated similar results.

There are two ways in which people access private-market health insurance: 1) the individual insurance market, and 2) employer-sponsored coverage, which is comprised of the small group and large group markets. Each market has distinct characteristics and operates under different regulations.

To learn more about the value of private health insurance plans, please click here.

In this section:

Latest Resources

The Health Savings Alliance

The Health Savings Alliance is a non-partisan, educational and grassroots initiative of America's Health Insurance Plans (AHIP). The Alliance is working to urge Congress to strengthen HSAs and HSA health plans, which continue to help protect families from the rising costs of health care.

Advocacy and Coalition Websites | 10/02/2012

Annual Employer Health Benefits Survey

The Kaiser Family Foundation conducts this annual survey of employers and provides a detailed look at trends in employer-sponsored health coverage, including premiums, employee contributions, cost-sharing provisions, and other relevant information.

Reports/Research/White Papers | Strategic Communications | 06/05/2012

Small Group Health Insurance in 2010: A Comprehensive Survey of Premiums, Product Choices, and Benefits - [PDF]

In July 2010, America’s Health Insurance Plans (AHIP) conducted a comprehensive survey of member companies offering coverage in the small group health insurance market. Responses included premium and benefit data from more than 477,000 small groups (those with 50 or fewer employees), reflecting approximately 3.7 million workers and 1.3 million dependents with coverage as of January 2010.

Reports/Research/White Papers | Center for Policy and Research, Product Policy | 07/08/2011

January 2011 Census Shows 11.4 Million People Covered by Health Savings Account/High-Deductible Health Plans (HSA/HDHPs) - [PDF]

An annual census by America's Health Insurance Plans (AHIP) of U.S. health insurance carriers shows that the number of people covered by health savings account/high-deductible health plans (HSA/HDHPs) totaled 11.4 million in January 2011.

View slides for this report. 

Reports/Research/White Papers | Center for Policy and Research | 06/16/2011

January 2011 Census Shows 11.4 Million People Covered by Health Savings Account/High-Deductible Health Plans (HSA/HDHPs)(Slides) - [PDF]

An annual census by America's Health Insurance Plans (AHIP) of U.S. health insurance carriers shows that the number of people covered by health savings account/high-deductible health plans (HSA/HDHPs) totaled 11.4 million in January 2011.

View the full report. 

Reports/Research/White Papers | Center for Policy and Research | 06/16/2011

An Analysis of Health Savings Account Balances, Contributions, and Withdrawals in 2009 - [PDF]

A comprehensive study of financial activity in health savings accounts (HSAs). Data collected from three large banks contain detailed account information of more than 1.2 million HSA accounts open as of December 31, 2009.

Reports/Research/White Papers | Center for Policy and Research | 12/06/2010

Fact Check on Individual Health Insurance Coverage

This fact check from the AHIP Coverage blog compiles research on the critical role of the individual insurance market, which serves more than 14 million people. The blog post also highlights what thought leaders, think tanks and the media are saying about the importance of a personal coverage requirement.

AHIP Coverage Blog Posts | 10/12/2010

Annual Employer Health Benefits Survey

The Kaiser Family Foundation conducts this annual survey of employers and provides a detailed look at trends in employer-sponsored health coverage, including premiums, employee contributions, cost-sharing provisions, and other relevant information.

Reports/Research/White Papers | 09/02/2010

Individual Health Insurance 2009: A Comprehensive Survey of Premiums, Availability, and Benefits - [PDF]

The latest in a series of AHIP surveys shows that the market for individually purchased coverage is more affordable and accessible than may be widely known.

Reports/Research/White Papers | Center for Policy and Research | 10/21/2009

Estimated Income Characteristics of HSA Accountholders in 2008 - [PDF]

For this follow-up study, the responding banks used a geo-coding technique to estimate the income characteristics of those HSA accountholders, which allows analysis of account balances, inflows and outflows by income range.

Reports/Research/White Papers | Center for Policy and Research | 05/13/2009