April 1998

Sources of Health Insurance and Characteristics of the Uninsured West North Central States, 1996

Minnesota

  • The percentage of Minnesota's nonelderly population (under age 65) without health insurance coverage was 11.3 percent. This is lower than the national rate of 17.7 percent. Minnesota's nonelderly population also had a higher rate of private coverage, 78.4 percent, than the national rate of 70.9 percent.
  • Children living in Minnesota -- infants through age 17 -- had a higher rate of employment-based health insurance coverage, 63.0 percent, than the national rate, 58.9 percent. The uninsured rate for children in Minnesota, 8.4 percent, was below the national rate, 14.8 percent.
  • Children living in families with incomes just above the federal poverty level -- 100 percent to 149 percent of poverty -- were the most likely to be uninsured, 26.5 percent, and children in families with income at 400 percent or more of the federal poverty level were least likely, 3.2 percent.
  • Minnesota workers had a slightly higher rate of employment-based health insurance coverage, 75.3 percent, than the nation, 72.3 percent. Also, 55.1 percent of Minnesota workers had employment-based health insurance coverage in their own name, compared with 55.2 percent for the nation.
  • Larger firms were more likely than smaller firms to provide coverage. Among Minnesota workers in firms with 1,000 or more workers, 70.1 percent had coverage in their own name, compared with 24.1 percent of workers in firms with fewer than 10 employees.
  • Among Minnesota workers, the most likely to have employment-based health insurance in their own name were those in manufacturing, 78.3 percent, and government, 73.1 percent. Workers in government had the lowest uninsured rate in the state, 3.1 percent, followed by wholesale trade workers at 7.6 percent. Workers construction, agriculture, and retail had the highest uninsured rates in the state, 22.7 percent each.
  • Among individuals ages 18­64, full-time workers had a higher rate of employment-based coverage, 80.6 percent, than part-time workers, 64.3 percent. Full-time workers had a higher uninsured rate, 11.0 percent, than part-time workers, 9.4 percent. Among nonworkers, 39.4 percent had employment-based coverage, and 13.8 percent were uninsured.

Iowa

  • The percentage of Iowa's nonelderly population without health insurance coverage, 13.1 percent, was lower than the national rate of 17.7 percent. Iowa's nonelderly population also had a higher rate of private coverage, 81.3 percent, than the national rate of 70.9 percent.
  • Children living in Iowa -- infants through age 17 -- had a higher rate of employment-based health insurance coverage, 64.0 percent, than the national rate, 58.9 percent. The uninsured rate for children in Iowa, 9.4 percent, was also below the national rate of 14.8 percent.
  • Children living in families with incomes just above the federal poverty level -- 100 percent to 149 percent of poverty -- were the most likely to be uninsured, 21.9 percent. Children in families with incomes at 400 percent or more of the federal poverty level were least likely to be uninsured, 5.9 percent.
  • A slightly lower rate of Iowa workers had employment-based health insurance coverage, 71.5 percent, than the national rate of 72.3 percent. Also, 53.5 percent of Iowa workers had employment-based health insurance coverage in their own name, compared with 55.2 percent for the nation.
  • Larger firms were more likely than smaller firms to provide coverage. Among Iowa workers in firms with 1,000 or more workers, 68.9 percent had coverage in their own name, compared with 20 percent of workers in firms with fewer than 10 employees.
  • Among Iowa workers, the most likely to have employment-based health insurance in their own name were those in the finance, insurance, and real estate, 81.9 percent, and in manufacturing, 74.8 percent. Workers in finance, insurance, and real estate had the lowest uninsured rate in the state, 4.0 percent, followed by those in professional services, 8.0 percent. Workers in agriculture and those who were self-employed had the highest uninsured rates in the state at 31.9 percent and 26.5 percent, respectively.
  • Among individuals ages 18­64, full-time workers had a higher rate of employment-based coverage, 77.7 percent, than part-time workers, 59.6 percent. They had a lower uninsured rate, 10.8 percent, than part-time workers, 19.2 percent. Among nonworkers, 41.4 percent had employment-based coverage, and 22.2 percent were uninsured.

Missouri

  • The percentage of Missouri's nonelderly population without health insurance coverage, 15.3 percent, was lower than the national rate, 17.7 percent. Missouri's nonelderly population also had a higher rate of private coverage, 74.9 percent, than the national rate, 70.9 percent.
  • Children living in Missouri -- infants through age 17 -- had a slightly lower rate of employment-based health insurance coverage, 57.0 percent, than the national rate of 58.9 percent. The uninsured rate for children in Missouri, 4.7 percent, was below the national rate, 14.8 percent.
  • Children living in families with incomes below the federal poverty level were the most likely to be uninsured, 6.5 percent. Children in families with incomes at 200­399 percent of the federal poverty level were least likely to be uninsured, 5.7 percent.
  • Missouri workers had a slightly lower rate of employment-based health insurance coverage, 72.2 percent, than the nation, 72.3 percent. Also, 55.4 percent of Missouri workers had employment-based health insurance coverage in their own name, compared with 55.2 percent for the nation.
  • Larger firms were more likely than smaller firms to provide coverage. Among Missouri workers in firms with 1,000 or more workers, 69.2 percent had coverage in their own name, compared with 20.7 percent of workers in firms with fewer than 10 employees.
  • Among Missouri workers, the most likely to have employment-based health insurance in their own name were those in manufacturing, 77.1 percent, and government, 74.2 percent. Professional service workers had the lowest uninsured rate in the state, 4.8 percent, followed by workers in the financial, insurance, and real estate industry at 5.9 percent. The highest uninsured rates in the state were among workers in personal services, 39.7 percent, and agriculture, 34.5 percent.
  • Among individuals ages 18­64, full-time workers had a higher rate of employment-based coverage, 78.2 percent, than part-time workers, 65.7 percent. They had a lower uninsured rate, 12.3 percent, than part-time workers, 20.9 percent. Among nonworkers, 44.9 percent had employment-based coverage, and 19.2 were uninsured.

North Dakota

  • The percentage of North Dakota's nonelderly population without health insurance coverage, 11.3 percent, was lower than the national rate, 17.7 percent. North Dakota's nonelderly population also had a higher rate of private coverage, 80.9 percent, than the national rate, 70.9 percent.
  • Children living in North Dakota -- infants through age 17 -- had a higher rate of employment-based health insurance coverage, 64.0 percent, than the national rate, 58.9 percent. The uninsured rate for children in North Dakota, 9.7 percent, was below the national rate, 14.8 percent.
  • Children living in families with incomes below the federal poverty level were the most likely to be uninsured, 31.1 percent. Children in families with incomes of 400 percent or more of the federal poverty level were least likely to be uninsured, less than 1 percent.
  • North Dakota workers had a slightly lower rate of employment-based health insurance coverage, 70.3 percent, than the nation, 72.3 percent. Also, 50.5 percent of North Dakota workers had employment-based health insurance coverage in their own name, compared with 55.2 percent for the nation. North Dakota had the highest rate of nonemployment-based private health insurance coverage, 15.1 percent.
  • Larger firms were more likely than smaller firms to provide coverage. Among North Dakota workers in firms with 1,000 or more workers, 60.7 percent had coverage in their own name, compared with 25.7 percent of those in firms with fewer than 10 employees.
  • Among North Dakota workers, the most likely to have employment-based health insurance coverage in their own name were those in transportation, communications, and utilities, 91.2 percent, and wholesale trade, 80.4 percent. Government workers had the lowest uninsured rate in the state, 3.2 percent, followed by workers in manufacturing, 3.8 percent. Workers in personal services and agriculture had the highest uninsured rates in the state at 29.2 percent and 23.8 percent, respectively.
  • Among individuals ages 18­64, full-time workers had a higher rate of employment-based coverage, 78.1 percent, than part-time workers, 59.9 percent. They had a lower uninsured rate, 8.4 percent, than part-time workers, 16.6 percent. Among nonworkers, 31.2 percent had employment-based coverage, and 19.9 percent were uninsured.

South Dakota

  • The percentage of South Dakota's nonelderly population without health insurance coverage, 11.1 percent, was lower than the national rate, 17.7 percent. South Dakota's nonelderly population also had a higher rate of private coverage, 77.6 percent, than the national rate, 70.9 percent.
  • Children living in South Dakota -- infants through age 17 -- had a higher rate of employment-based health insurance coverage, 62.7 percent, than the national rate, 58.9 percent. The uninsured rate for children in South Dakota, 8.7 percent, was below the national rate, 14.8 percent.
  • Children living in families with incomes just above the federal poverty level -- 100 percent to 149 percent of poverty -- were the most likely to be uninsured, 15.7 percent. Children in families with incomes at 150 percent to 199 percent of the federal poverty level were least likely to be uninsured, 1.4 percent.
  • South Dakota workers had a lower rate of employment-based health insurance coverage, 68.0 percent, than the nation, 72.3 percent. Also, 49.2 percent of South Dakota workers had employment-based health insurance coverage in their own name, compared with 55.2 percent for the nation. South Dakota had the second highest rate of nonemployment-based private health insurance coverage, 15.0 percent; only North Dakota had a higher rate, 15.1 percent.
  • Larger firms were more likely than smaller firms to provide coverage. Among South Dakota's workers in firms with 1,000 or more workers, 63.2 percent had coverage in their own name, compared with 23.1 percent of workers in firms with fewer than 10 employees.
  • Among South Dakota workers, the most likely to have employment-based health insurance coverage in their own name were those in transportation, communications, and utilities, 76.5 percent, and finance, insurance, and real estate, 73.2 percent. Workers in finance, insurance, and real estate had the lowest uninsured rate in the state, 3.7 percent, followed by those in government, 5.7 percent. Workers in business repair and construction had the highest uninsured rates in the state, at 31.9 percent and 29.9 percent, respectively.
  • Among individuals ages 1864, full-time workers had a higher rate of employment-based coverage, 75.1 percent, than part-time workers, 56.7 percent. They had a higher uninsured rate, 9.6 percent, than part-time workers, 9.0 percent. Among nonworkers, 32.7 percent had employment-based coverage, and 14.6 percent were uninsured.

Nebraska

  • The percentage of Nebraska's nonelderly population without health insurance coverage, 13.0 percent, was lower than the national rate, 17.7 percent. Nebraska's nonelderly population also had a higher rate of private coverage, 76.9 percent, than the national rate, 70.9 percent.
  • Children living in Nebraska -- infants through age 17 -- had a higher rate of employment-based health insurance coverage, 59.3 percent, than the national rate, 58.9 percent. The uninsured rate for children in Nebraksa, 9.8 percent, was below the national rate, 14.8 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, 13.1 percent. Children in families with incomes at 400 percent or more of the federal poverty level were least likely to be uninsured, 1.2 percent.
  • Nebraska workers had a slightly lower rate of employment-based health insurance coverage, 71.2 percent, than the nation, 72.3 percent. Also, 52.7 percent of Nebraska workers had employment-based health insurance coverage in their own name, compared with 55.2 percent for the nation.
  • Larger firms were more likely than smaller firms to provide coverage. Among Nebraska workers in firms with 1,000 or more workers, 63.5 percent had coverage in their own name, compared with 22.2 percent of workers in firms with fewer than 10 employees.
  • Nebraska workers most likely to have employment-based health insurance coverage in their own name were those in finance, insurance, and real estate, 74.3 percent, and wholesale trade, 73.5 percent. Workers in finance, insurance, and real estate also had the lowest uninsured rate in the state, 2.8 percent, followed by government workers at 6.4 percent. Workers in business and repair services and agriculture had the highest uninsured rates in the state, at 23.2 percent and 20.7 percent, respectively.
  • Among individuals ages 18­64, full-time workers had a higher rate of employment-based coverage, 76.6 percent, than part-time workers, 54.7 percent. They had a lower uninsured rate, 9.9 percent, than part-time workers, 14.5 percent. Among nonworkers, 36.0 percent had employment-based coverage, and 27.7 percent were uninsured.

Kansas

  • The percentage of Kansas' nonelderly population without health insurance coverage, 13.3 percent, was lower than the national rate, 17.7 percent. Kansas' nonelderly population also had a higher rate of private coverage, 76.8 percent, than the national rate, 70.9 percent.
  • Children living in Kansas -- infants through age 17 -- had a higher rate of employment-based health insurance coverage, 65.3 percent, than the national rate, 58.9 percent. The uninsured rate for children in Kansas, 11.0 percent, was below the national rate, 14.8 percent.
  • Children living in families with incomes below the federal poverty level were the most likely to be uninsured, 19.3 percent. Children in families with incomes at 400 percent or more of the federal poverty level were least likely to be uninsured, 5.0 percent.
  • Kansas workers had a slightly higher rate of employment-based health insurance coverage, 74.6 percent, than the nation, 72.3 percent. Also, 54.3 percent of Kansas workers had employment-based health insurance coverage in their own name, compared with 55.2 percent for the nation.
  • Larger firms were more likely than smaller firms to provide coverage. Among Kansas workers in firms with 1,000 or more workers, 68.7 percent had coverage in their own name, compared with 21.1 percent of workers in firms with fewer than 10 employees.
  • Kansas workers most likely to have employment-based health insurance coverage in their own name were those in transportation, communications, and utilities, 85.5 percent, and manufacturing, 82.0 percent. Workers in manufacturing and government had the lowest uninsured in the state, 7.8 percent each. Workers in personal services and agriculture had the highest uninsured rates in the state, at 45.0 percent and 41.3 percent, respectively.
  • Among individuals ages 18­64, full-time workers had a higher rate of employment-based coverage, 82.3 percent, than part-time workers, 56.8 percent. They had a lower uninsured rate, 10.9 percent, than part-time workers, 19.6 percent. Among nonworkers, 35.9 percent had employment-based coverage, and 19.0 percent were uninsured.

For more information, contact Ken McDonnell, (202) 775-6342, or visit EBRI online at http://www.ebri.org.
Source: Employee Benefit Research Institute tabulations of data from the March 1997 Current Population Survey.
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