"Concerns about employer-sponsored health insurance evaporating after the implementation of health reform have not materialized," said Kathy Hempstead, who directs the Robert Wood Johnson Foundation's work on health insurance coverage.
"Time will tell if the Affordable Care Act leads to fewer people with insurance through their jobs, but as of now, the law has had little to no effect on employer-sponsored insurance," Hempstead said.
Employer-sponsored insurance is, by far, the the most common source of health coverage in the United States.
There are an estimated 155 million people under age 65 covered by such plans. That dwarfs the 76 million or so people covered by Medicaid, the government-run program that benefits primarily poor people and children, and the approximately 55 million covered by Medicare, the government program primarily for senior citizens.
Just 11.1 million people are currently covered by Obamacare plans sold via government-run marketplaces.
The ACA began taking full effect in 2014. That year was the first in which most Americans were required to have some form of health coverage or face a tax penalty. It was also the first year of coverage from private health plans for individuals and their families that are sold on Obamacare exchanges, often at heavily subsidized prices.
At the same time, enrollment in Medicaid began ramping up significantly as growing numbers of poor adults became eligible for that program due to ACA provisions that encouraged states to loosen their sign-up restrictions.
The Urban Institute report noted that in the 12-year period before 2013, there was a marked drop in the rate of people covered by job-based coverage. "Some have argued that the changes introduced by the ACA would accelerate this trend because the greater availability of coverage outside of work would make it easier for employers to stop offering coverage," the report said.
But that didn't happen.
The report found that in June 2013, 70.8 percent of all workers between the ages of 18 and 64 had employer-sponsored insurance coverage. As of last March, nearly three years later, 72.1 percent of all such workers have job-based coverage. Similar, incremental upticks were seen in the rates of job-based coverage among the two major subgroups of workers: people at small firms, and people at large firms.
In June 2013, the share of nonelderly adult workers who were offered job-based coverage stood at 82.4 percent, according to the report. Nearly three years later, with Obamacare in full swing, the offer rate was 83.1 percent.
Again, there were slight increases in the offer rates for people in both small firms and large firms, and there likewise were little if any differences seen in offer rates when people in different income groups were looked at, the report said.