What is employer-sponsored insurance?

• A. Coverage provided by an employer as a benefit
• B. Insurance purchased independently through ACA exchanges
• C. Insurance provided through your job, often subsidized by the employer
• D. Insurance purchased through the state marketplace only

Answer: (C)

Employer-sponsored insurance is health coverage provided by your employer as a benefit, with the employer typically paying a portion of the premium and the employee contributing the rest through payroll deductions. This arrangement ties the insurance to your job and is usually offered as a group plan negotiated with an insurance carrier. It’s different from buying insurance on ACA exchanges or state marketplaces, which are independent of your employer. The core idea is that your job offers the coverage and shares in the cost, making it a common, employer-supported benefit.