Life Insurance Quotes

Only 44 percent of Americans insured through employers

11/11/11

A recently released poll revealed only 44.5 percent of Americans have insurance through their employer, which some believe stems from high unemployment and underemployed numbers.

Gallup and Healthways surveyed more than 90,000 people for the poll and determined that on top of the high unemployment numbers, companies are not offering employees health insurance as often as in the past.

"The health insurance system in the United States is experiencing numerous changes," the pollsters said. "Governments and businesses have and will continue to cut back and/or reform their health coverage offerings."

The $2.6 trillion U.S. healthcare industry credits employee-sponsored health benefits as one of the largest aspects of the system, but employers are now cutting back and charging employees more in order to deal with increasing costs, according to the Chicago Tribune.

In 2008, 49.8 percent of employees were provided insurance through their jobs, which is 5.3 percentage points higher than current figures, Gallup reported. According to CNN, there were 49.9 million Americans without health insurance in 2010.

Employers not providing insurance as much as in the past is a trend that could prompt Americans to consider exploring life insurance options independently. 

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