Facts from EBRI

June 1999

 

Sources of Health Insurance and Characteristics of the Uninsured

East South Central States, 1997

Kentucky

• The percentage of Kentucky's nonelderly population (under age 65) without health insurance coverage in 1997, 17.0 percent, was lower than the national rate of 18.3 percent. Kentucky's nonelderly population also had a lower rate of private coverage, 68.0 percent, than the national rate of 70.9 percent.

• Children living in Kentucky--infants through age 17--had a lower rate of employment-based health insurance coverage, 54.3 percent, than the national rate, 59.7 percent. The uninsured rate for children in Kentucky, 14.5 percent, was lower than 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, 32.4 percent, and children in families with incomes at 400 percent or more of the federal poverty level were least likely to be uninsured, 5.8 percent.

• Kentucky workers had the same rate of employment-based health insurance coverage as the nation, 72.2 percent. Also, 54.4 percent of Kentucky 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: 63.9 percent of Kentucky workers in firms with 1,000 or more workers had coverage in their own name, compared with 28.3 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 transportation, communications, and utilities, 84.3 percent, and in government, 70.8 percent. Workers in agriculture/mining had the lowest uninsured rate in the state, 5.6 percent, followed by transportation, communications, and utilities workers at 10.7 percent. Workers in construction and in services had the highest uninsured rates in the state, 45.3 percent and 21.3 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, 59.2 percent. They had a lower uninsured rate, 14.1 percent, than part-time workers, 24.8 percent. Among nonworkers, 37.9 percent had employment-based coverage, and 17.4 percent were uninsured.

Tennessee

• The percentage of Tennessee's nonelderly population (under age 65) without health insurance coverage in 1997, 15.2 percent, was lower than the national rate of 18.3 percent. Tennessee's nonelderly population had a lower rate of private coverage, 66.0 percent, than the national rate of 70.9 percent. Tennessee had the highest rate of Medicaid coverage in the nation, 21.7 percent.

• Children living in Tennessee--infants through age 17--had a lower rate of employment-based health insurance coverage, 52.0 percent, than the national rate, 59.7 percent. The uninsured rate for children in Tennessee, 10.7 percent, was lower than the national rate of 15.0 percent.

• Children living in families with incomes at 400 percent or more of the federal poverty level were the most likely to be uninsured, 14.2 percent, and children in families with incomes at 150 percent to 199 percent of the federal poverty level were least likely to be uninsured, less than 7.8 percent.

• Tennessee workers had a lower rate of employment-based health insurance coverage, 68.1 percent, than the national rate, 72.2 percent. Also, 53.3 percent of Tennessee 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: 66.4 percent of Tennessee workers in firms with 1,000 or more workers had coverage in their own name, compared with 19.8 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, 77.9 percent, and in finance, insurance, and real estate, 72.9 percent. Workers in finance, insurance, and real estate had the lowest uninsured rate in the state, 4.2 percent, followed by those in government, 4.8 percent. Workers in agriculture/mining and in construction had the highest uninsured rates in the state at 37.6 percent and 35.2 percent, respectively.

• Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 75.5 percent, than part-time workers, 52.8 percent. They had a lower uninsured rate, 13.5 percent, than part-time workers, 16.8 percent. Among nonworkers, 36.3 percent had employment-based coverage, and 21.7 percent were uninsured.

Alabama

• The percentage of Alabama's nonelderly population (under age 65) without health insurance coverage in 1997, 18.0 percent, was lower than the national rate, 18.3 percent. Alabama's nonelderly population also had a higher rate of private coverage, 71.4 percent, than the national rate, 70.9 percent.

• Children living in Alabama--infants through age 17--had a lower rate of employment-based health insurance coverage, 55.8 percent, than the national rate of 59.7 percent. The uninsured rate for children in Alabama, 14.5 percent, was lower than 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, 33.5 percent, and children in families with incomes at 400 percent or more of the federal poverty level were least likely to be uninsured, 1.4 percent.

• Alabama workers had a higher rate of employment-based health insurance coverage, 74.6 percent, than the nation, 72.2 percent. Also, 56.3 percent of Alabama 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: 67.1 percent of Alabama workers in firms with 1,000 or more workers, had coverage in their own name, compared with 26.0 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, 75.4 percent, and in transportation, communications, and utilities, 75.3 percent. Finance, insurance, and real estate workers had the lowest uninsured rate in the state, 4.2 percent, followed by workers in government at 5.6 percent. The highest uninsured rates in the state were among workers in construction, 33.5 percent, and in wholesale/retail trade, 25.1 percent.

• Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 84.3 percent, than part-time workers, 57.9 percent. They had a lower uninsured rate, 11.7 percent, than part-time workers, 20.4 percent. Among nonworkers, 39.7 percent had employment-based coverage, and 28.6 were uninsured.

Mississippi

• The percentage of Mississippi's nonelderly population (under age 65) without health insurance coverage in 1997, 22.6 percent, was higher than the national rate, 18.3 percent. Mississippi's nonelderly population also had a lower rate of private coverage, 64.4 percent, than the national rate, 70.9 percent.

• Children living in Mississippi--infants through age 17--had a lower rate of employment-based health insurance coverage, 50.5 percent, than the national rate, 59.7 percent. The uninsured rate for children in Mississippi, 18.7 percent, was above 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, 33.5 percent, and children in families with incomes of 400 percent or more of the federal poverty level were least likely to be uninsured, 3.6 percent.

• Mississippi workers had a lower rate of employment-based health insurance coverage, 66.9 percent, than the nation, 72.2 percent. Also, 55.4 percent of Mississippi 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: 67.0 percent of Mississippi workers in firms with 1,000 or more workers had coverage in their own name, compared with 20.4 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, 76.0 percent, and in finance, insurance, and real estate, 70.9 percent. Finance, insurance, and real estate workers had the lowest uninsured rate in the state, 8.2 percent, followed by workers in government, 14.8 percent. Workers in construction and self-employed workers had the highest uninsured rates in the state at 44.3 percent and 33.3 percent, respectively.

• Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 72.1 percent, than part-time workers, 59.8 percent. They had a lower uninsured rate, 21.1 percent, than part-time workers, 26.2 percent. Among nonworkers, 29.4 percent had employment-based coverage, and 28.1 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 1998 Current Population Survey.

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