US Medical Term · insurance
Employer-Sponsored Insurance
Seguro Patrocinado por el Empleador
In 9 languages
| Language | Term |
|---|---|
| English | Employer-Sponsored Insurance |
| Spanish (Español) | Seguro Patrocinado por el Empleador |
| Chinese (中文) | 雇主提供的保险 |
| Korean (한국어) | 고용주 제공 보험 |
| Vietnamese (Tiếng Việt) | Bảo hiểm do người sử dụng lao động cung cấp |
| Filipino (Tagalog) | Employer-Sponsored Insurance |
| Portuguese (Português) | Seguro Patrocinado pelo Empregador |
| Thai (ภาษาไทย) | ประกันสุขภาพที่นายจ้างจัดหาให้ |
| Japanese (日本語) | 雇用主提供保険 |
What it means
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.
Related terms
Related guide
→ US Guide: employer coverage and cobraSources
Last reviewed: September 2026