Do Underserved and Underrepresented Minorities Pay a Higher Premium for Employer-Sponsored Coverage?
Document Type
Research Brief
Date
11-1-2025
Keywords
Employer-sponsored health insurance; healthcare disparities; premiums; underserved communities; financial burden; healthcare access; equity in benefits; health policy; employee education; plan selection, briefs
Language
Eng
Disciplines
Benefits and Compensation
Description/Abstract
Employer-sponsored health insurance covers millions of Americans under 65, yet not all employees share the financial burden equally. This brief explores how underserved communities particularly Black, Hispanic, and American Indian/Alaska Native employees often pay a disproportionately high share of their income toward family coverage premiums. Drawing on national data and recent research, the study highlights systemic disparities in healthcare costs and access, that shows economic, social, and policy factors intersect to create uneven burdens. The importance of clear communication, tailored support tools, and equitable plan design to help employees make informed choices, while offering practical strategies for employers and entrepreneurs to reduce overpayment and improve plan fit
Recommended Citation
Reddic, Willie; Albring, Susan; and Crawford, Patricia, "Do Underserved and Underrepresented Minorities Pay a Higher Premium for Employer-Sponsored Coverage?" (2025). The Lender Center for Social Justice. 93.
https://surface.syr.edu/lender/93
Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 International License.
