April 1999

Sources of Health Insurance and Characteristics of the Uninsured,

West North Central States, 1997

 

Minnesota

• The percentage of Minnesota's nonelderly population (under age 65) without health insurance coverage in 1997 was 10.2 percent. This was lower than the national rate of 18.3 percent. Minnesota had the third-lowest uninsured rate; only Hawaii (8.9 percent) and Wisconsin (9.1 percent) had lower rates. Minnesota's nonelderly population also had a higher rate of private coverage, 79.7 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, 62.8 percent, than the national rate, 59.7 percent. The uninsured rate for children in Minnesota, 7.5 percent, was below the national rate, 15.0 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, 19.8 percent, and children in families with income at 150 percent to 199 percent of the federal poverty level were least likely to be uninsured, 3.6 percent.

• Minnesota workers had a slightly higher rate of employment-based health insurance coverage, 76.5 percent, than the national rate, 72.2 percent. Also, 56.1 percent of Minnesota workers had employment-based health insurance coverage in their own name (meaning they were the primary beneficiaries), compared with 55.0 percent for the nation.

• Larger firms were more likely than smaller firms to provide coverage: 70.5 percent of Minnesota workers in firms with 1,000 or more workers had coverage in their own name, compared with 24.7 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, 74.2 percent, and in government, 72.7 percent. Workers in government had the lowest uninsured rate in the state, 2.7 percent, followed by workers who were self-employed, at 7.6 percent. Workers in construction and agriculture/mining had the highest uninsured rates in the state, 20.8 percent and 17.4 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, 65.9 percent. They had a lower uninsured rate, 8.2 percent, than part-time workers, 11.5 percent. Among nonworkers, 48.8 percent had employment-based coverage, and 19.4 percent were uninsured.

Iowa

• The percentage of Iowa's nonelderly population (under age 65) without health insurance coverage in 1997, 13.6 percent, was lower than the national rate of 18.3 percent. Iowa's nonelderly population also had a higher rate of private coverage, 81.3 percent, than the national rate of 70.9 percent. Iowa had the third-highest rate of private health insurance coverage; only Wisconsin (85.8 percent) and Indiana (82.2 percent) had higher rates.

• Children living in Iowa -- infants through age 17 -- had a higher rate of employment-based health insurance coverage, 67.1 percent, than the national rate, 59.7 percent. The uninsured rate for children in Iowa, 11.1 percent, was also below the national rate of 15.0 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, 18.4 percent, and children in families with incomes at 400 percent or more of the federal poverty level were least likely to be uninsured, 2.3 percent.

• A slightly higher rate of Iowa workers had employment-based health insurance coverage, 73.3 percent, than the national rate of 72.2 percent. Also, 53.1 percent of Iowa workers had employment-based health insurance coverage in their own name (meaning they were the primary beneficiaries), compared with 55.0 percent for the nation.

• Larger firms were more likely than smaller firms to provide coverage: 63.8 percent of Iowa workers in firms with 1,000 or more workers had coverage in their own name, compared with 16.3 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 finance, insurance, and real estate, 78.9 percent, and in government, 76.0 percent. Workers in finance, insurance, and real estate had the lowest uninsured rate in the state, 3.2 percent, followed by those in government, 5.8 percent. Workers in construction and in wholesale/retail trade had the highest uninsured rates in the state at 40.4 percent and 23.5 percent, respectively.

• Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 81.3 percent, than part-time workers, 48.9 percent. They had a lower uninsured rate, 10.4 percent, than part-time workers, 27.7 percent. Among nonworkers, 49.1 percent had employment-based coverage, and 17.0 percent were uninsured.

Missouri

• The percentage of Missouri's nonelderly population (under age 65) without health insurance coverage in 1997, 14.7 percent, was lower than the national rate, 18.3 percent. Missouri's nonelderly population also had a higher rate of private coverage, 75.9 percent, than the national rate, 70.9 percent.

• Children living in Missouri -- infants through age 17 -- had a slightly higher rate of employment-based health insurance coverage, 60.3 percent, than the national rate of 59.7 percent. The uninsured rate for children in Missouri, 13.0 percent, was below the national rate, 15.0 percent.

• Children living in families with incomes below the federal poverty level were the most likely to be uninsured, 23.7 percent, and children in families with incomes at 150 percent to 199 percent of the federal poverty level were least likely to be uninsured, 8.0 percent.

• Missouri workers had a slightly higher rate of employment-based health insurance coverage, 76.1 percent, than the national rate, 72.2 percent. Also, 60.4 percent of Missouri workers had employment-based health insurance coverage in their own name (meaning they were the primary beneficiaries), compared with 55.0 percent for the nation.

• Larger firms were more likely than smaller firms to provide coverage: 71.3 percent of Missouri workers in firms with 1,000 or more workers had coverage in their own name, compared with 28.1 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, 79.7 percent, and in government, 77.7 percent. Finance, insurance, and real estate workers had the lowest uninsured rate in the state, 2.4 percent, followed by workers in government at 7.1 percent. The highest uninsured rates in the state were among workers in wholesale/retail trade, 29.4 percent, and in construction, 17.2 percent.

• Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 83.6 percent, than part-time workers, 58.0 percent. They had a lower uninsured rate, 9.2 percent, than part-time workers, 23.8 percent. Among nonworkers, 43.0 percent had employment-based coverage and 22.9 were uninsured.

North Dakota

• The percentage of North Dakota's nonelderly population (under age 65) without health insurance coverage in 1997, 17.9 percent, was lower than the national rate, 18.3 percent. North Dakota's nonelderly population also had a higher rate of private coverage, 73.8 percent, than the national rate, 70.9 percent. North Dakota had the second highest rate of non-employment-based private health insurance coverage (such as group purchasing sponsored by trade associations and the individual market), 12.5 percent; only South Dakota had a higher rate, 16.9 percent.

• Children living in North Dakota -- infants through age 17 -- had a lower rate of employment-based health insurance coverage, 59.1 percent, than the national rate, 59.7 percent. The uninsured rate for children in North Dakota, 17.1 percent, was above the national rate, 15.0 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, 33.2 percent, and children in families with incomes of 400 percent or more of the federal poverty level were least likely to be uninsured, 5.2 percent.

• North Dakota workers had a lower rate of employment-based health insurance coverage, 65.7 percent, than the national rate, 72.2 percent. Also, 44.2 percent of North Dakota workers had employment-based health insurance coverage in their own name (meaning they were the primary beneficiaries), compared with 55.0 percent for the nation.

• Larger firms were more likely than smaller firms to provide coverage: 66.5 percent of North Dakota workers in firms with 1,000 or more workers had coverage in their own name, compared with 13.3 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, 79.1 percent, and in finance, insurance, and real estate, 71.2 percent. Transportation, communications, and utilities workers had the lowest uninsured rate in the state, 5.2 percent, followed by workers in government, 9.1 percent. Workers in agriculture/mining and in construction had the highest uninsured rates in the state at 36.3 percent and 32.9 percent, respectively.

• Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 69.5 percent, than part-time workers, 61.9 percent. They had a higher uninsured rate, 16.4 percent, than part-time workers, 14.5 percent. Among nonworkers, 33.1 percent had employment-based coverage and 21.2 percent were uninsured.

South Dakota

• The percentage of South Dakota's nonelderly population (under age 65) without health insurance coverage in 1997, 13.7 percent, was lower than the national rate, 18.3 percent. South Dakota's nonelderly population also had a higher rate of private coverage, 78.9 percent, than the national rate, 70.9 percent. South Dakota had the highest rate of non-employment-based private health insurance coverage (such as group purchasing sponsored by trade associations and the individual market), 16.9 percent.

• Children living in South Dakota -- infants through age 17 -- had a higher rate of employment-based health insurance coverage, 62.8 percent, than the national rate, 59.7 percent. The uninsured rate for children in South Dakota, 9.8 percent, was below the national rate, 15.0 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, 22.7 percent, and children in families with incomes at 400 percent or more of the federal poverty level were least likely to be uninsured, 2.1 percent.

• South Dakota workers had a lower rate of employment-based health insurance coverage, 65.3 percent, than the national rate, 72.2 percent. Also, 48.9 percent of South Dakota workers had employment-based health insurance coverage in their own name (meaning they were the primary beneficiaries), compared with 55.0 percent for the nation.

• Larger firms were more likely than smaller firms to provide coverage: 68.9 percent of South Dakota's workers in firms with 1,000 or more workers had coverage in their own name, compared with 25.7 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 manufacturing, 70.2 percent, and in government, 69.8 percent. Workers in finance, insurance, and real estate had the lowest uninsured rate in the state, 1.9 percent, followed by those in government, 11.6 percent. Workers in construction and in agriculture/mining had the highest uninsured rates in the state, at 35.4 percent and 27.0 percent, respectively.

• Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 72.3 percent, than part-time workers, 51.1 percent. They had a lower uninsured rate, 12.1 percent, than part-time workers, 13.6 percent. Among nonworkers, 33.7 percent had employment-based coverage, and 18.3 percent were uninsured.

Nebraska

• The percentage of Nebraska's nonelderly population (under age 65) without health insurance coverage, 12.3 percent, was lower than the national rate, 18.3 percent. Nebraska's nonelderly population also had a higher rate of private coverage, 78.8 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, 65.0 percent, than the national rate, 59.7 percent. The uninsured rate for children in Nebraska, 9.9 percent, was below the national rate, 15.0 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, 18.0 percent, and children in families with incomes below the federal poverty level were least likely to be uninsured, 5.7 percent.

• Nebraska workers had the same rate of employment-based health insurance coverage, 72.2 percent, as the national rate, 72.2 percent. Also, 50.0 percent of Nebraska workers had employment-based health insurance coverage in their own name (meaning they were the primary beneficiaries), compared with 55.0 percent for the nation.

• Larger firms were more likely than smaller firms to provide coverage: 60.1 percent of Nebraska workers in firms with 1,000 or more workers had coverage in their own name, compared with 24.8 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 transportation, communications, and utilities, 76.0 percent, and in manufacturing, 73.0 percent. Workers in finance, insurance, and real estate also had the lowest uninsured rate in the state, 4.6 percent, followed by government workers at 7.3 percent. Workers in construction and in agriculture/mining had the highest uninsured rates in the state, at 19.1 percent and 18.6 percent, respectively.

• Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 79.2 percent, than part-time workers, 61.5 percent. They had a lower uninsured rate, 10.1 percent, than part-time workers, 16.2 percent. Among nonworkers, 40.8 percent had employment-based coverage, and 15.2 percent were uninsured.

Kansas

• The percentage of Kansas' nonelderly population (under age 65) without health insurance coverage in 1997, 13.7 percent, was lower than the national rate, 18.3 percent. Kansas' nonelderly population also had a higher rate of private coverage, 77.3 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, 66.4 percent, than the national rate, 59.7 percent. The uninsured rate for children in Kansas, 9.6 percent, was below the national rate, 15.0 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, 38.1 percent, and children in families with incomes at 400 percent or more of the federal poverty level were least likely to be uninsured, 3.4 percent.

• Kansas workers had a lower rate of employment-based health insurance coverage, 70.5 percent, than the national rate, 72.2 percent. Also, 52.1 percent of Kansas workers had employment-based health insurance coverage in their own name (meaning they were the primary beneficiaries), compared with 55.0 percent for the nation.

• Larger firms were more likely than smaller firms to provide coverage: 62.2 percent of Kansas workers in firms with 1,000 or more workers had coverage in their own name, compared with 21.5 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, 85.1 percent, and in manufacturing, 80.9 percent. Workers in transportation, communications, and utilities had the lowest uninsured rate in the state, less than 1 percent, followed by workers in manufacturing, 6.5 percent. Workers in agriculture/mining and in construction had the highest uninsured rates in the state, at 34.9 percent and 29.0 percent, respectively.

• Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 77.2 percent, than part-time workers, 58.1 percent. They had a lower uninsured rate, 12.6 percent, than part-time workers, 23.5 percent. Among nonworkers, 41.5 percent had employment-based coverage, and 19.5 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 1998 Current Population Survey.

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