People Ages 65 and Older Were Most Likely to Hold More Than One Health Insurance Plan

While the majority of people in the United States have private health insurance — primarily through an employer — many others have coverage through programs offered by the government or no coverage at all.

But a large number of mostly older individuals have more than one plan, according to a recent report that provides estimates of health insurance coverage in 2021. Single service plans, such as vision, dental or prescription drug, are not considered comprehensive and are not counted as health insurance coverage.

Individuals with multiple coverage include anyone who was enrolled in more than one plan at the same time in 2021. For example, some low-income people with a disability may qualify for both Medicaid and Medicare coverage if they meet eligibility requirements. Others may hold multiple coverage because they change their type of health insurance plan over the course of the year.

Adults 65 years and older were the age group most likely to be covered by more than one plan because many supplemented Medicare coverage with privately purchased plans or coverage through a current or previous employer.

The 2022 Current Population Survey Annual Social and Economic Supplement (CPS ASEC) shows that in 2021, most people (78.6%) had only one type of health coverage for the entire calendar year and 8.3% had no coverage at all. That leaves about 43.1 million people (13.1%) with more than one type of health insurance coverage (Figure 1).

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