Journal of Labor Research

, Volume 30, Issue 4, pp 340-349

Open Access This content is freely available online to anyone, anywhere at any time.

What Fills the Gaps Left by Employer-Provided Insurance?

  • Thomas G. KochAffiliated withUniversity of California Santa Barbara Email author 


Employer-provided insurance is the leading source of medical insurance for non-elderly Americans. However, it leaves many without coverage. Evidence suggests that the non-group insurance market does a poor job of filling in these gaps, for those with both short- and long-term uninsurance. It does so for all income and age groups, as well as for both genders. It does fill some of the gaps in employer-provided coverage for those with middle and high incomes, though very incompletely.


Employer-provided insurance Partial insurance

JEL Classification

I1 J7