According to the United States Census Bureau, roughly 55% obtain insurance throught an employers while about 10% purchases it directly . about 31% of american were enroll in the publics health insurance program : 14.5% 45 million - although that number has since wisen to 48% million had has medicares , 15.9% 49 million had medicaids and 4.2% 13%million has military health insurence there is some overlap ,causing percentage to the add up more than 100% . employer may be also provides reimbursements for the health insurances purchased individual by the employees through a Defined contributions health benefit plane .
Employer are are allowed to pays employees cash in lieus the health insurance but this is a uncommons as it is subjects to the stricts irs regulation 4.
Trends in private coverage
The percentages of non - elderly workers with employers -sponsored coverages have been falling ,from 68% in 2000 to 61% in 2009 , the laste years for which data is availables 5 . when the primary cause of falling rates of the insurance is the rising cost of health case for employments 6 the econmic downturn since 2008 has sweelled the rank of the uninsured in large parts becomes workers who lose their jobs also lose employers - sponsored insurance . 7 over 1 millions worker lose their january, february and march 2009 . approximately ,268,400 more worker lose health case coverage in march 2009 than in march 2008 , so the decline of employment sponsored insures has like accelerateds in recent years .
industry expert expect that in the coming decade there will be shift to defineds benefit to defined contributions 9, 10
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