The most recent EBRI/Greenwald Research Consumer Engagement in Health
Care Survey found that the majority of insured individuals still receive
their health insurance
through their employer. In fact, most people with private
health insurance reported getting their coverage through their own job
or through a spouse’s job. Only a small
percentage said they get it directly from a health insurance
carrier or from a government exchange. This Fast Fact
reports on the health care plan trends
and choices of over 2,000 consumers 21–64 years old.
Figure 2 How long have you been covered by your current health insurance plan? More information about the EBRI/Greenwald Research Consumer Engagement in Health Care Survey can be fo und online. High Deductible (n=462) Traditional (n=1,549) National (n=2,011) The 2024 Consumer Engagement in Health Care Survey was an online survey of 2,011 Americans ages 21– 19% April 10, 2025, #528 64 with private health insurance coverage. It was fielded between October and November 2024. The survey 10 years or more 21% is made possible with funding support from the following organization 21% s: Blue Cross and Blue Shield Association, CareFirst, The Cigna Group, HealthEquity, Inspira Financial, Johnson & Johnson, Segal, TIAA, and WEX. 17% Health Insurance in America: Where We Get It, How 5 –9 years 18% 18% The Emplo Long We Ke yee Benefit Researc ep It, a h Institute is a p nd rivthe ate, n Ev onpartiolv san, aing HDHP Landsca nd nonprofit research institute based in pe Washington, D.C., that focuses on health, savings, retirement, and economic security issues. EBRI does not lobby and does not take policy positions. The work of EBRI is made possible by funding from its members and 29% 3 –4 years 28% sponsors, which include a broad range of public and private organizations. For more information, visit The Employee Benefit Research Institute (EBRI)/Greenwald Research Consumer Engagement in Health Care 28% www.ebri.org. Survey found that the majority of insured individuals still receive their health insurance through their employer. Greenwald Research is a leading independent custom research firm and consulting partner to the health and Most people with private health insurance reported getting their coverage throug 23% h their own job (61 percent) or 1 –2 years 23% wealth industries that applies creative quantitative and qualitative methods to help companies stay competitive through a spouse’s job (20 percent). Only 19 percent said they get it directly from a health insurance carrier (11 23% and navigate industry change. Leveraging deep subject matter expertise and a consultative approach, Greenwald percent) or from a government exchange (8 percent). offers comprehensive services to answer strategic business questions. For more information, go to www.greenwaldresearch.com 11% Figure 1 Less than one year 9% Which of the following best describes how you obtain your health insurance coverage? 10% ### High Deductible (n=462) Traditional (n=1,549) National (n=2,011) 0% 5% 10% 15% 20% 25% 30% 35% Source: 2024 EBRI/Greenwald Research Consumer Engagement in Health Care Survey. 6% I purchased it through a state or federal government online 8% marketplace or exchange such as Healthcare.gov 8% Enrollment in health savings account (HSA)-eligible health plans and health reimbursement arrangements appears to have leveled off. Enrollment in high-deductible health plans (HDHPs) that were not eligible to be paired with an HSA continued to fall, reaching 8 percent in 2024, after having reached 15 percent in 2020. 8% I purchase it directly from a health insurance carrier 11% Figure 3 11% Percentage of Enrollees in High-Deductible Health Plans (HDHPs) and Consumer-Driven Health Plans (CDHPs) 40% 22% CDHP HDHP I am enrolled through my spouse's/partner's job 20% 35% 20% 30% 63% 15% 25% 12% I am enrolled through my job 61% 13% 9% 61% 8% 13% 14% 11% 20% 11% 18% 11% 11% 16% 0% 10% 20% 30% 40% 50% 60% 70% 15% 16% Source: 2024 EBRI/Greenwald Research Consumer Engagement in Health Care Survey. 14% 13% 10% 19% 19% 18% 18% 18% 11% 11% 15% 15% 14% 14% 13% 13% 5% 8% 10% 10% 7% 7% Few individuals with private health insurance said they have had their plan for less than one year (10 percent). 5% 4% 3% 3% One-half reported having had it for one to two years (23 percent) or three to four years (28 percent). About one- 1% 1% 0% 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 fifth had it at least 10 years. Source: 2024 EBRI/Greenwald Research Consumer Engagement in Health Care Survey. © 2025, Employee Benefit Research Institute, 901 D St. SW, Suite 802, Washington, DC 20024, 202/659-0670 | ebri.org 2 3