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What Percentage of Americans Have Health Coverage?

Summary:91.2% of Americans had health insurance coverage in 2019, a slight increase from the previous year. Understanding the importance of health coverage in financial planning is essential to avoid unexpected medical expenses.


Health coverage is an important aspect offinancial planningfor individuals and families in the United States. It not only provides access to quality healthcare, but also helps protect against unexpected medical expenses. In this article, we will discuss the percentage of Americans who havehealth coverageand provide some insights into the importance of insurance in financial planning.

Current Status of Health Coverage in the United States:

According to a report by the U.S. Census Bureau, 91.2% of the population hadhealth insurancecoverage in 2019. This is a slight increase from the previous year, where the percentage was 90.9%. The report also shows that the percentage of people without health insurance decreased from 8.9% in 2018 to 8% in 2019. These statistics indicate that the Affordable Care Act (ACA) has played a significant role in improving health coverage in the United States.

Types of Health Coverage:

There are several types of health coverage available in the United States, including employer-sponsored health insurance, individual health insurance, and government-sponsored health insurance. Employer-sponsored health insurance is the most common type of health coverage, with approximately 157 million people covered through their employer. Individual health insurance is purchased directly from an insurance company, while government-sponsored health insurance includes programs such as Medicaid and Medicare.

Importance of Health Coverage in Financial Planning:

Health coverage is an essential component of financial planning, as it provides protection against unexpected medical expenses that can be financially devastating. Medical debt is one of the leading causes of bankruptcy in the United States, and having health coverage can help individuals and families avoid this financial burden. Additionally, health coverage can provide access topreventive care, which can help individuals maintain good health and avoid costly medical treatments in the future.

Tips for Choosing the Right Health Coverage:

When choosing health coverage, it is important to consider factors such as cost, coverage, and network. Individuals should evaluate their healthcare needs and budget to determine the type of coverage that is most appropriate for them. It is also important to consider the network of providers and make sure that the coverage includes access to the doctors and hospitals that individuals prefer.


Health coverage is an important aspect of financial planning, and the percentage of Americans with health coverage has increased in recent years. There are several types of health coverage available, and individuals should evaluate their healthcare needs and budget to choose the coverage that is most appropriate for them. By having health coverage, individuals can protect themselves against unexpected medical expenses and maintain good health.

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