March 2000

 

Sources of Health Insurance and Characteristics of the Uninsured

East North Central States, 1998

Ohio

  • The percentage of Ohio's nonelderly population (under age 65) without health insurance coverage in 1998 was 11.8 percent. This was lower than the national rate of 18.4 percent. Ohio's nonelderly population also had a higher rate of employment-based coverage, 73.3 percent, than the national rate of 64.9 percent.
  • Children living in Ohio--infants through age 17--had a higher rate of employment-based health insurance coverage, 69.1 percent, than the national rate, 60.2 percent. The uninsured rate for children in Ohio, 9.1 percent, was below the national rate, 15.4 percent.
  • Children living in families with incomes just above the federal poverty levelÊ100 percent to 149 percentÊwere the most likely to be uninsured, 22.6 percent, and children in families with incomes at 400 percent or more of the federal poverty level were least likely to be uninsured, 3.9 percent.
  • Ohio workers had a higher rate of employment-based health insurance coverage, 80.7 percent, than the national rate, 72.8 percent, and the highest rate of employment-based coverage for workers in any state. Also, 58.0 percent of Ohio workers had employment-based health insurance coverage in their own name (meaning they were the primary beneficiaries), compared with 55.5 percent for the nation.
  • Larger firms were more likely than smaller firms to provide coverage: 69.0 percent of Ohio workers in firms with 1,000 or more employees had coverage in their own name, compared with 30.2 percent of workers in firms with fewer than 10 employees.
  • Among Ohio workers, the most likely to have employment-based health insurance in their own name were those in manufacturing, 80.7 percent, and in government, 76.2 percent. Workers in finance, insurance, and real estate had the lowest uninsured rate in the state, 5.6 percent, followed by transportation, communications, and utilities workers at 5.7 percent. Workers in construction and who were self-employed had the highest uninsured rates in the state, 27.3 percent and 19.5 percent, respectively.
  • Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 86.1 percent, than part-time workers, 74.1 percent. They had a lower uninsured rate, 9.5 percent, than part-time workers, 10.3 percent. Among nonworkers, 48.3 percent had employment-based coverage, and 18.4 percent were uninsured.

Indiana

  • The percentage of Indiana's nonelderly population (under age 65) without health insurance coverage in 1998 was 11.8 percent. This was lower than the national rate of 18.4 percent. Indiana's nonelderly population also had a higher rate of employment-based coverage, 71.4 percent, than the national rate of 64.9 percent.
  • Children living in Indiana--infants through age 17--had a higher rate of employment-based health insurance coverage, 66.2 percent, than the national rate, 60.2 percent. The uninsured rate for children in Indiana, 14.6 percent, was also below the national rate of 15.4 percent.
  • Children living in families with incomes just above the federal poverty levelÊ100 percent to 149 percentÊwere the most likely to be uninsured, 34.8 percent, and children in families with incomes at 200 percent to 399 percent of the federal poverty level were least likely to be uninsured, less than 5.9 percent.
  • Indiana workers had a higher rate of employment-based health insurance coverage, 78.9 percent, than the national rate, 72.8 percent. Also, 58.9 percent of Indiana workers had employment-based health insurance coverage in their own name (meaning they were the primary beneficiaries), compared with 55.5 percent for the nation.
  • Larger firms were more likely than smaller firms to provide coverage: 64.4 percent of Indiana workers in firms with 1,000 or more employees had coverage in their own name, compared with 33.7 percent of workers in firms with fewer than 10 employees.
  • Among Indiana workers, the most likely to have employment-based health insurance in their own name were those in manufacturing, 82.1 percent, and in transportation, communications, and utilities, 72.1 percent. Workers in agriculture/mining had the lowest uninsured rate in the state, 4.2 percent, followed by those in manufacturing, 6.3 percent. Workers in construction industries and who were self-employed had the highest uninsured rates in the state at 28.5 percent and 27.5 percent, respectively.
  • Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 86.7 percent, than part-time workers, 57.6 percent. They had a lower uninsured rate, 9.5 percent, than part-time workers, 26.6 percent. Among nonworkers, 45.6 percent had employment-based coverage, and 24.7 percent were uninsured.

Illinois

  • The percentage of Illinois' nonelderly population (under age 65) without health insurance coverage in 1998 was 16.6 percent. This was lower than the national rate, 18.4 percent. Illinois' nonelderly population also had a higher rate of employment-based coverage, 69.6 percent, than the national rate, 64.9 percent.
  • Children living in Illinois--infants through age 17--had a higher rate of employment-based health insurance coverage, 66.1 percent, than the national rate of 60.2 percent. The uninsured rate for children in Illinois, 14.6 percent, was below the national rate, 15.4 percent.
  • Children living in families with incomes at 150 percent to 199 percent of the federal poverty level were the most likely to be uninsured, 32.5 percent, and children in families with incomes at 400 percent or more of the federal poverty level were least likely to be uninsured, 4.6 percent.
  • Illinois workers had a higher rate of employment-based health insurance coverage, 76.3 percent, than the national rate of 72.8 percent. Also, 58.5 percent of Illinois workers had employment-based health insurance coverage in their own name (meaning they were the primary beneficiaries), compared with 55.5 percent for the nation.
  • Larger firms were more likely than smaller firms to provide coverage: 68.0 percent of Illinois workers in firms with 1,000 or more employees had coverage in their own name, compared with 31.1 percent of workers in firms with fewer than 10 employees.
  • Among Illinois workers, the most likely to have employment-based health insurance in their own name were those in manufacturing, 77.0 percent, and transportation, communications, and utilities, 72.6 percent. Government workers had the lowest uninsured rate in the state, 7.3 percent, followed by workers in finance, insurance, and real estate at 8.4 percent. The highest uninsured rates in the state were among workers in agriculture/mining, 31.5 percent, and in the construction, 27.0 percent.
  • Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 81.9 percent, than part-time workers, 64.3 percent. They had a lower uninsured rate, 13.5 percent, than part-time workers, 20.2 percent. Among non-workers, 44.6 percent had employment-based coverage, and 25.0 were uninsured.

Michigan

  • The percentage of Michigan's nonelderly population (under age 65) without health insurance coverage in 1998 was 14.9 percent. This was lower than the national rate, 18.4 percent. Michigan's nonelderly population also had a higher rate of private coverage, 70.6 percent, than the national rate, 64.9 percent.
  • Children living in Michigan--infants through age 17--had a higher rate of employment-based health insurance coverage, 66.7 percent, than the national rate, 60.2 percent. The uninsured rate for children in Michigan, 10.7 percent, was below the national rate, 15.4 percent.
  • Children living in families with incomes at 150 percent to 199 percent of the federal poverty level were the most likely to be uninsured, 30.8 percent, and children in families with incomes of 400 percent or more of the federal poverty level were least likely to be uninsured, 2.7 percent.
  • Michigan workers had a higher rate of employment-based health insurance coverage, 76.3 percent, than the nation, 72.8 percent. Also, 55.7 percent of Michigan workers had employment-based health insurance coverage in their own name (meaning they were the primary beneficiaries), compared with 55.5 percent for the nation.
  • Larger firms were more likely than smaller firms to provide coverage: 64.1 percent of Michigan workers in firms with 1,000 or more employees had coverage in their own name, compared with 24.3 percent of those in firms with fewer than 10 employees.
  • Among Michigan workers, the most likely to have employment-based health insurance coverage in their own name were those in manufacturing, 81.2 percent, and in transportation, communications, and utilities, 71.9 percent. Finance, insurance, and real estate workers had the lowest uninsured rate in the state, 6.4 percent, followed by workers in government, 8.4 percent. Workers in agriculture/mining and in retail/wholesale trade industries had the highest uninsured rates in the state at 37.0 percent and 26.7 percent, respectively.
  • Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 83.1 percent, than part-time workers, 63.0 percent. They had a lower uninsured rate, 13.0 percent, than part-time workers, 21.3 percent. Among non-workers, 54.3 percent had employment-based coverage, and 20.0 percent were uninsured.

Wisconsin

  • The percentage of Wisconsin's nonelderly population (under age 65) without health insurance coverage in 1998 was 13.2 percent. This was lower than the national rate, 18.4 percent. Wisconsin's nonelderly population also had a higher rate of employment-based coverage, 73.8 percent, than the national rate, 64.9 percent. Only Minnesota had a higher rate of employment-based coverage at 74.7 percent.
  • Children living in Wisconsin--infants through age 17--had a higher rate of employment-based health insurance coverage, 71.7 percent, than the national rate, 60.2 percent. Only Iowa had a higher rate of employment-based health insurance coverage for children, at 71.9 percent. The uninsured rate for children in Wisconsin, 9.7 percent, was below the national rate, 15.4 percent. Wisconsin had the lowest uninsured rate for children in the nation.
  • Children living in families with incomes at 150 percent to 199 percent of the federal poverty level were the most likely to be uninsured, 18.9 percent, and children in families with incomes at 400 percent or more of the federal poverty level were least likely to be uninsured, less than 3.8 percent.
  • Wisconsin workers had a higher rate of employment-based health insurance coverage, 78.4 percent, than the national rate, 72.8 percent. Also, 59.3 percent of Wisconsin workers had employment-based health insurance coverage in their own name (meaning they were the primary beneficiaries), compared with 55.5 percent for the nation.
  • Larger firms were more likely than smaller firms to provide coverage: 67.5 percent of Wisconsin workers in firms with 1,000 or more employees had coverage in their own name, compared with 34.3 percent of workers in firms with fewer than 10 employees.
  • Among Wisconsin workers, the most likely to have employment-based health insurance coverage in their own name were those in manufacturing, 80.5 percent, and in government, 77.6 percent. Workers in finance, insurance, and real estate had the lowest uninsured rate in the state, 3.6 percent, followed by those in manufacturing, 7.5 percent. Workers in wholesale/retail trade and those who were self-employed had the highest uninsured rates in the state, at 21.9 percent and 20.3 percent, respectively.
  • Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 83.7 percent, than part-time workers, 69.6 percent. They had a lower uninsured rate, 12.1 percent, than part-time workers, 11.4 percent. Among nonworkers, 47.4 percent had employment-based coverage and 20.7 percent were uninsured.

For more information, contact Ken McDonnell, (202) 775-6342, e-mail: mcdonnell@ebri.org, or visit EBRI online at www.ebri.org.

Source: Employee Benefit Research Institute tabulations of data from the March 1999 Current Population Survey.

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