A 2007 analysis of Census Bureau data shows that "the share of workers who take health benefits when they are offered (the take-up rate) was 83.5 percent in 2005, down from 87.9 percent in 1988. However, workers who decline health coverage are more likely to have coverage elsewhere (such as from another employed family member); few workers eligible for health coverage are uninsured (about 4 percent from 1995-2005)." (p. 1)

Fronstin, P. (2007). Employment-based health benefits: Access and coverage, 1988-2005 (Issue Brief No. 303). Washington, DC: Employee Benefit Research Institute. Retrieved February 28, 2008 from http://www.ebri.org/publications/ib/index.cfm?fa=ibDisp&content_id=3789

Data for this study come from a series of supplements to the Current Population Survey (CPS) conducted by the Census Bureau. The CPS is a nationally representative survey of the civilian noninstitutionalized U.S. population. It is the primary source of data on labor force characteristics of the U.S. civilian noninstitutionalized population. The data in this report are limited to wage and salary workers ages 18-64. Self-employed workers are not included in the analysis.

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