June 2000

 

Sources of Health Insurance and Characteristics of the Uninsured

East South Central States, 1998

Kentucky

  • The percentage of Kentucky's nonelderly population (under age 65) without health insurance coverage in 1998, 16.1 percent, was lower than the national rate of 18.4 percent. Kentucky's nonelderly population also had a lower rate of employment-based coverage, 67.3 percent, than the national rate of 64.9 percent.
  • Children living in Kentucky--infants through age 17--had a higher rate of employment-based health insurance coverage, 63.1 percent, than the national rate, 60.2 percent. The uninsured rate for children in Kentucky, 14.0 percent, was lower than the national rate, 15.4 percent.
  • Children living in families with incomes below the federal poverty level were the most likely to be uninsured, 38.3 percent, and children in families with incomes at 400 percent or more of the federal poverty level were least likely to be uninsured, 3.3 percent.
  • Kentucky workers had a higher rate of employment-based health insurance coverage, 76.3 percent, than the national rate, 72.8 percent. Also, 57.5 percent of Kentucky 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: 67.0 percent of Kentucky workers in firms with 1,000 or more workers had coverage in their own name, compared with 25.8 percent of workers in firms with fewer than 10 employees.
  • Among Kentucky workers, the most likely to have employment-based health insurance in their own name were those in manufacturing, 77.8 percent, and in transportation, communications, and utilities, 77.2 percent. Workers in government had the lowest uninsured rate in the state, 4.3 percent, followed by finance, insurance, and real estate workers at 6.7 percent. Workers in construction and in agriculture/mining had the highest uninsured rates in the state, 35.1 percent and 26.1 percent, respectively.
  • Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 84.0 per-cent, than part-time workers, 63.1 percent. They had a lower uninsured rate, 12.2 percent, than part-time workers, 21.4 percent. Among nonworkers, 41.1 percent had employment-based coverage, and 22.7 percent were uninsured.

Tennessee

  • The percentage of Tennessee's nonelderly population (under age 65) without health insurance coverage in 1998, 14.4 percent, was lower than the national rate of 18.4 percent. Tennessee's nonelderly population had a lower rate of employment-based coverage, 60.2 percent, than the national rate of 64.9 percent.
  • Children living in Tennessee--infants through age 17--had a lower rate of employment-based health insurance coverage, 53.5 percent, than the national rate, 60.2 percent. The uninsured rate for children in Tennessee, 10.7 percent, was lower than the national rate of 15.4 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, 23.1 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 4.2 percent.
  • Tennessee workers had a lower rate of employment-based health insurance coverage, 68.1 percent, than the national rate, 72.8 percent. Also, 50.3 percent of Tennessee 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: 63.1 percent of Tennessee workers in firms with 1,000 or more workers had coverage in their own name, compared with 22.7 percent of workers in firms with fewer than 10 employees.
  • Among Tennessee workers, the most likely to have employment-based health insurance in their own name were those in government, 76.1 percent, and in manufacturing, 73.6 percent. Workers in finance, insurance, and real estate had the lowest uninsured rate in the state, 6.2 percent, followed by those in government,
    7.2 percent. Workers in construction and self-employed workers had the highest uninsured rates in the state at 39.7 percent and 21.2 percent, respectively.
  • Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 76.0 per-cent, than part-time workers, 53.4 percent. They had a lower uninsured rate, 12.5 percent, than part-time workers, 19.4 percent. Among nonworkers, 40.9 percent had employment-based coverage, and 20.2 percent were uninsured.

Alabama

  • The percentage of Alabama's nonelderly population (under age 65) without health insurance coverage in 1998, 19.5 percent, was higher than the national rate, 18.4 percent. Alabama's nonelderly population also had a higher rate of employment-based coverage, 71.4 percent, than the national rate, 70.9 percent.
  • Children living in Alabama--infants through age 17--had a higher rate of employment-based health insurance coverage, 63.1 percent, than the national rate of 60.2 percent. The uninsured rate for children in Alabama, 17.9 percent, was higher than the national rate, 15.4 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, 38.3 percent, and children in families with incomes at 400 per-cent or more of the federal poverty level were least likely to be uninsured, 10.8 percent.
  • Alabama workers had a higher rate of employment-based health insurance coverage, 73.7 percent, than the nation, 72.8 percent. Also, 54.1 percent of Alabama 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: 63.9 percent of Alabama workers in firms with 1,000 or more workers had coverage in their own name, compared with 25.9 percent of workers in firms with fewer than 10 employees.
  • Among Alabama workers, the most likely to have employment-based health insurance in their own name were those in government, 79.3 percent, and in manufacturing, 70.7 percent. Finance, insurance, and real estate workers had the lowest uninsured rate in the state, 2.5 percent, followed by workers in government at 4.8 per-cent. The highest uninsured rates in the state were among workers in construction, 52.5 percent, and in wholesale/retail trade, 26.2 percent.
  • Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 79.6 per-cent, than part-time workers, 69.1 percent. They had a lower uninsured rate, 14.5 percent, than part-time workers, 20.9 percent. Among nonworkers, 40.6 percent had employment-based coverage, and 26.2 were uninsured.

Mississippi

  • The percentage of Mississippi's nonelderly population (under age 65) without health insurance coverage in 1998, 23.1 percent, was higher than the national rate, 18.4 percent. Mississippi's nonelderly population also had a lower rate of employment-based coverage, 58.9 percent, than the national rate, 64.9 percent.
  • Children living in Mississippi--infants through age 17--had a lower rate of employment-based health insurance coverage, 54.2 percent, than the national rate, 60.2 percent. The uninsured rate for children in Mississippi, 21.2 percent, was above the national rate, 15.4 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, 45.5 percent, and children in families with incomes of 400 percent or more of the federal poverty level were least likely to be uninsured, 5.9 percent.
  • Mississippi workers had a lower rate of employment-based health insurance coverage, 68.5 percent, than the nation, 72.8 percent. Also, 53.5 percent of Mississippi 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: 63.5 percent of Mississippi workers in firms with 1,000 or more workers had coverage in their own name, compared with 21.0 percent of those in firms with fewer than 10 employees.
  • Among Mississippi workers, the most likely to have employment-based health insurance coverage in their own name were those in government, 76.5 percent, and in finance, insurance, and real estate, 67.9 percent. Government workers had the lowest uninsured rate in the state, 8.7 percent, followed by workers in finance, insurance, and real estate, 9.6 percent. Workers in construction and in wholesale/retail trade had the highest uninsured rates in the state at 48.0 percent and 36.7 percent, respectively.
  • Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 74.3 per-cent, than part-time workers, 55.8 percent. They had a lower uninsured rate, 18.3 percent, than part-time workers, 31.0 percent. Among nonworkers, 35.7 percent had employment-based coverage, and 29.9 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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