18 percent of private workers who participated in medical care plans had one plan network in 2024

In 2024, a plan network was available to 99 percent of private industry workers participating in medical care plans. Plan participants typically pay a lower price for using in-network services. Of those participating in medical plans, 18 percent of private industry workers had one plan network and 75 percent had two networks available.

Nonemergency services outside the network were available to 78 percent of private industry workers participating in medical care plans. Services provided outside of the network typically carry higher costs to plan participants. For the remaining 22 percent of workers, costs for nonemergency services were the sole responsibility of plan participants.

In small establishments with fewer than 50 private industry workers, 18 percent of medical care plan participants had access to one plan network and 74 percent had two networks offered. Out-of-network nonemergency services were available to 78 percent of participants in small establishments.

Among medical care plan participants in establishments with 100–499 workers, 18 percent had one plan network available and 77 percent had two networks. Nonemergency services were available outside the network to 80 percent of workers.

These data are from the Employee Benefits program. For more information, see Health care plan provisions for private industry workers in the United States, 2024.  Historical U.S. Employee Benefits data (XLSX) estimates are also available using the database query tool. We also have more charts on Employee Benefits.