What Is Employer Sponsored Health Insurance? 
Employer sponsored health insurance is a group health insurance policy put in place by an employer for the benefit of their employees . Under this arrangement the employer is the actual insurance policy holder -LRB- employees receive a certificate of coverage under the group plan -RRB- and is required to make a financial contribution towards the cost of the coverage and to maintain a certain minimum level of enrollment among their workforce in order tokeep the group policy in force . Employer sponsored health insurance is the most common way that Americans receive their health insurance coverage . 