What fills the gaps left by employer-provided insurance?

Abstract

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. © The Author(s) 2009.