"The proportion of self-insured companies has increased from 28.5% in 1996 to 39% in 2015 ... The biggest increase was in companies with fewer than 1,000 employees. The shift to self-insure represents a loss of group market share to the traditional health plans at a time when many are already finding it difficult to succeed with the imbalance of utilization costs and younger, healthier customers on individual plans."  MORE >>