March 2001

 

Sources of Health Insurance and Characteristics of the Uninsured

East North Central States, 1999

Ohio

  • The percentage of Ohio's nonelderly population (under age 65) without health insurance coverage in 1999 was 12.5 percent. This was lower than the national rate of 17.5 percent. Ohio's nonelderly population also had a higher rate of employment-based coverage, 73.2 percent, than the national rate of 65.8 percent.
  • Children living in Ohio--infants through age 17--had a higher rate of employment-based health insurance coverage, 70.6 percent, than the national rate, 61.5 percent. The uninsured rate for children in Ohio, 8.9 percent, was below the national rate, 13.9 percent.
  • Children living in families with incomes just above the federal poverty level--100 percent to 149 percent--were the most likely to be uninsured, 21.5 percent, and children in families with incomes at 400 percent or more of the federal poverty level were the least likely to be uninsured, 1.5 percent.
  • Ohio workers had a higher rate of employment-based health insurance coverage, 79.9 percent, than the nation, 73.3 percent. Also, 58.8 percent of Ohio workers had employment-based health insurance coverage in their own name (meaning they were the primary beneficiaries), compared with 55.6 percent for the nation.
  • Larger firms were more likely than smaller firms to provide coverage: 69.1 percent of Ohio workers in firms with 1,000 or more employees had coverage in their own name, compared with 35.5 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, 78.7 percent, and in government, 71.2 percent. Workers in government had the lowest uninsured rate in the state, 6.3 percent, followed by manufacturing workers at 8.8 percent. Workers in agriculture/mining and in wholesale/retail trade industries had the highest uninsured rates in the state, 20.8 percent and 20.4 percent, respectively.
  • Among individuals ages 18–64, full-time workers had a higher rate of employment-based coverage, 86.5 percent, than part-time workers, 73.6 percent. They had a lower uninsured rate, 10.4 percent, than part-time workers, 13.4 percent. Among nonworkers, 63.2 percent had employment-based coverage, and 12.0 percent were uninsured.

Indiana

  • The percentage of Indiana's nonelderly population (under age 65) without health insurance coverage in 1999 was 12.3 percent. This was lower than the national rate of 17.5 percent. Indiana's nonelderly population also had a higher rate of employment-based coverage, 73.3 percent, than the national rate of 65.8 percent.
  • Children living in Indiana--infants through age 17--had a higher rate of employment-based health insurance coverage, 68.2 percent, than the national rate, 61.5 percent. The uninsured rate for children in Indiana, 8.9 percent, was also below the national rate of 13.9 percent.
  • Children living in families with incomes just above the federal poverty level--100 percent to 149 percent--were the most likely to be uninsured, 23.3 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 2.6 percent.
  • Indiana workers had a higher rate of employment-based health insurance coverage, 79.8 percent, than the national rate, 73.3 percent. Also, 59.1 percent of Indiana workers had employment-based health insurance coverage in their own name (meaning they were the primary beneficiaries), compared with 55.6 percent for the nation.
  • Larger firms were more likely than smaller firms to provide coverage: 72.0 percent of Indiana workers in firms with 1,000 or more employees had coverage in their own name, compared with 29.0 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 transportation, communications, and utilities, 82.6 percent, and in manufacturing, 81.6 percent. Workers in finance, insurance, and real estate had the lowest uninsured rate in the state, 4.8 percent, followed by those in manufacturing, 5.8 percent. Workers in construction industries and in wholesale/retail trade had the highest uninsured rates in the state at 25.8 percent and 19.5 percent, respectively.
  • Among individuals ages 18–64, full-time workers had a higher rate of employment-based coverage, 85.9 percent, than part-time workers, 64.6 percent. They had a lower uninsured rate, 10.6 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 1999 was 15.7 percent. This was lower than the national rate, 17.5 percent. Illinois' nonelderly population also had a higher rate of employment-based coverage, 71.3 percent, than the national rate, 65.8 percent.
  • Children living in Illinois--infants through age 17--had a higher rate of employment-based health insurance coverage, 67.7 percent, than the national rate of 61.5 percent. The uninsured rate for children in Illinois, 12.1 percent, was below the national rate, 13.9 percent.
  • Children living in families with incomes at 100 percent to 149 percent of the federal poverty level were the most likely to be uninsured, 22.8 percent, and children in families with incomes at 400 percent or more of the federal poverty level were the least likely to be uninsured, 6.5 percent.
  • Illinois workers had a higher rate of employment-based health insurance coverage, 76.7 percent, than the nation, 73.3 percent. Also, 58.8 percent of Illinois workers had employment-based health insurance coverage in their own name (meaning they were the primary beneficiaries), compared with 55.6 percent for the nation.
  • Larger firms were more likely than smaller firms to provide coverage: 67.2 percent of Illinois workers in firms with 1,000 or more employees had coverage in their own name, compared with 31.2 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, 78.4 percent, and in government, 73.4 percent. Government workers had the lowest uninsured rate in the state, 8.4 percent, followed by workers in finance, insurance, and real estate at 8.9 percent. The highest uninsured rates in the state were among workers in agriculture/mining, 39.0 percent, and in the wholesale/retail trade, 22.4 percent.
  • Among individuals ages 18–64, full-time workers had a higher rate of employment-based coverage, 82.9 percent, than part-time workers, 70.6 percent. They had a lower uninsured rate, 12.9 percent, than part-time workers, 17.8 percent. Among nonworkers, 63.0 percent had employment-based coverage and 15.4 were uninsured.

Michigan

  • The percentage of Michigan's nonelderly population (under age 65) without health insurance coverage in 1999 was 12.4 percent. This was lower than the national rate, 17.5 percent. Michigan's nonelderly population also had a higher rate of private coverage, 72.5 percent, than the national rate, 65.8 percent.
  • Children living in Michigan--infants through age 17--had a higher rate of employment-based health insurance coverage, 67.8 percent, than the national rate, 61.5 percent. The uninsured rate for children in Michigan, 9.7 percent, was below the national rate, 13.9 percent.
  • Children living in families with incomes at 100 percent to 149 percent of the federal poverty level were the most likely to be uninsured, 21.3 percent, and children in families with incomes of 400 percent or more of the federal poverty level were the least likely to be uninsured, 6.4 percent.
  • Michigan workers had a higher rate of employment-based health insurance coverage, 79.5 percent, than the nation, 73.3 percent. Also, 56.6 percent of Michigan workers had employment-based health insurance coverage in their own name (meaning they were the primary beneficiaries), compared with 55.6 percent for the nation.
  • Larger firms were more likely than smaller firms to provide coverage: 68.3 percent of Michigan workers in firms with 1,000 or more employees had coverage in their own name, compared with 28.9 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, 78.1 percent, and in transportation, communications, and utilities, 76.2 percent. Government workers had the lowest uninsured rate in the state, 5.9 percent, followed by workers in manufacturing, 6.6 percent. Workers in agriculture/mining and in construction industries had the highest uninsured rates in the state at 23.5 percent and 21.3 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, 67.9 percent. They had a lower uninsured rate, 9.5 percent, than part-time workers, 15.0 percent. Among nonworkers, 63.0 percent had employment-based coverage, and 12.2 percent were uninsured.

Wisconsin

  • The percentage of Wisconsin's nonelderly population (under age 65) without health insurance coverage in 1999 was 12.2 percent. This was lower than the national rate, 17.5 percent. Wisconsin's nonelderly population also had a higher rate of employment-based coverage, 71.2 percent, than the national rate, 65.8 percent.
  • Children living in Wisconsin--infants through age 17--had a higher rate of employment-based health insurance coverage, 65.7 percent, than the national rate, 61.5 percent. The uninsured rate for children in Wisconsin, 10.7 percent, was below the national rate, 13.9 percent.
  • Children living in families with incomes at 100 percent to 149 percent of the federal poverty level were the most likely to be uninsured, 29.8 percent, and children in families with incomes at 400 percent or more of the federal poverty level were the least likely to be uninsured, less than 4.5 percent.
  • Wisconsin workers had a higher rate of employment-based health insurance coverage, 77.7 percent, than the nation, 73.3 percent. Also, 54.7 percent of Wisconsin workers had employment-based health insurance coverage in their own name (meaning they were the primary beneficiaries), compared with 55.6 percent for the nation.
  • Larger firms were more likely than smaller firms to provide coverage: 66.2 percent of Wisconsin workers in firms with 1,000 or more employees had coverage in their own name, compared with 24.1 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 construction, 76.0 percent, and in manufacturing, 73.6 percent. Workers in government had the lowest uninsured rate in the state, 7.3 percent, followed by those in construction, 7.7 percent. Workers in agriculture/mining and service industries had the highest uninsured rates in the state, at 27.9 percent and 15.2 percent, respectively.
  • Among individuals ages 18–64, full-time workers had a higher rate of employment-based coverage, 83.8 percent, than part-time workers, 64.6 percent. They had a lower uninsured rate, 8.8 percent, than part-time workers, 15.1 percent. Among nonworkers, 61.1 percent had employment-based coverage and 13.4 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 2000 Current Population Survey.