insurance
Employer-Sponsored Insurance
雇用主提供保険 (koyō-nushi teikyō hoken)
Employer-sponsored insurance (ESI) is health coverage provided through a place of employment. Employers typically pay a portion of premiums and employees pay the rest through pre-tax payroll deductions. ESI is the most common source of health insurance in the US, covering about half the population. Employers with 50 or more full-time equivalent employees are required under the ACA to offer coverage meeting minimum value standards. Coverage typically extends to spouses and dependents. Losing employer-sponsored coverage triggers a Special Enrollment Period.
Employees should review employer plan options carefully during open enrollment, as plan choices, networks, and costs may change each year.
In 9 languages
| Language | Term |
|---|---|
| English | Employer-Sponsored Insurance |
| Japanese (日本語) | 雇用主提供保険 |
| Chinese (中文) | 雇主提供的保险 |
| Korean (한국어) | 고용주 제공 보험 |
| Portuguese | Seguro Patrocinado pelo Empregador |
| Spanish | Seguro Patrocinado por el Empleador |
| Filipino | Employer-Sponsored Insurance |
| Thai | ประกันสุขภาพที่นายจ้างจัดหาให้ |
| Vietnamese | Bảo hiểm do người sử dụng lao động cung cấp |
| Romanization | koyō-nushi teikyō hoken |
Learn more in the guide:
Browse US healthcare guides →Last reviewed: September 2026