August 1999

Sources of Health Insurance and Characteristics of the Uninsured,

Mountain States, 1997

Montana

• The percentage of Montana's nonelderly population (under age 65) without health insurance coverage in 1997 was 22.1 percent. This was higher than the national rate, 18.3 percent. Montana's nonelderly population has a lower rate of private coverage, 67.2 percent, than the national rate of 70.9 percent.

• Children living in Montana--infants through age 17--had a lower rate of employment-based health insurance coverage, 54.2 percent, than the national rate, 59.7 percent. The uninsured rate for children in Montana, 18.0 percent, was above the national rate, 15.0 percent.

• Children living in families with incomes below the federal poverty level were most likely to be uninsured, 31.3 percent, and children in families with income at 400 percent or more of the federal poverty level were least likely, 3.1 percent.

• Montana workers had a lower rate of employment-based health insurance coverage, 63.6 percent, than the national rate, 72.2 percent. Also, 46.9 percent of Montana 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: 66.0 percent of Montana workers in firms with 1,000 or more workers had coverage in their own name, compared with 17.9 percent of workers in firms with fewer than 10 employees.

• Among Montana workers, the most likely to have employment-based health insurance in their own name were those in manufacturing, 70.6 percent, and in transportation, communications, and utilities, 69.8 percent. Workers in finance, insurance, and real estate had the lowest uninsured rate in the state, less than 1 percent, followed by government workers at 11.4 percent. Workers in wholesale/retail trade and in construction had the highest uninsured rates in the state, 35.6 percent and 34.1 percent, respectively.

• Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 72.5 percent, than part-time workers, 50.6 percent. They had a lower uninsured rate, 18.8 percent, than part-time workers, 27.5 percent. Among nonworkers, 32.9 percent had employment-based coverage, and 28.5 percent were uninsured.

Idaho

• The percentage of Idaho's nonelderly population (under age 65) without health insurance coverage in 1997 was 20.0 percent. This was higher than the national rate, 18.3 percent. Idaho's nonelderly population had a higher rate of private coverage, 71.1 percent, than the national rate of 70.9 percent.

• Children living in Idaho--infants through age 17--had a lower rate of employment-based health insurance coverage, 56.4 percent, than the national rate, 59.7 percent. The uninsured rate for children in Idaho, 18.6 percent, was also higher the national rate, 15.0 percent.

• Children living in families with incomes just below the federal poverty the most likely to be uninsured, 37.4 percent, and children in families with incomes at 400 percent or more of the federal poverty level were least likely to be uninsured, 5.1 percent.

• Idaho workers had a lower rate of employment-based health insurance coverage, 68.8 percent, than the national rate, 72.2 percent. Also, 52.0 percent of Idaho 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: 71.5 percent of Idaho 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 Idaho workers, the most likely to have employment-based health insurance in their own name were those in government, 71.8 percent, and in manufacturing, 71.6 percent. Workers in government had the lowest uninsured rate in the state, 7.7 percent, followed by those in transportation, communications, and utilities, 12.1 percent. Workers in agriculture/mining and in construction had the highest uninsured rates in the state at 39.8 percent and 34.0 percent, respectively.

• Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 77.1 percent, than part-time workers, 64.7 percent. They had a lower uninsured rate, 13.8 percent, than part-time workers, 16.8 percent. Among nonworkers, 42.1 percent had employment-based coverage, and 31.4 percent were uninsured.

Wyoming

• The percentage of Wyoming's nonelderly population (under age 65) without health insurance coverage in 1997 was 17.6 percent. This was lower than the national rate, 18.3 percent. Wyoming's nonelderly population had a higher rate of private coverage, 72.3 percent, than the national rate, 70.9 percent.

• Children living in Wyoming--infants through age 17--had a higher rate of employment-based health insurance coverage, 64.3 percent, than the national rate, 59.7 percent. The uninsured rate for children in Wyoming,
13.5 percent, was below the national rate, 15.0 percent.

• Children living in families with incomes below the federal poverty level were most likely to be uninsured, 29.2 percent, and children in families with incomes at 400 percent or more of the federal poverty level were least likely to be uninsured, 8.0 percent.

• Wyoming workers had a lower rate of employment-based health insurance coverage, 66.7 percent, than the national rate, 72.2 percent. Also, 46.0 percent of Wyoming 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. Wyoming had the third-lowest rate of employment-based coverage for workers in their own name. New Mexico and North Dakota had lower rates.

• Larger firms were more likely than smaller firms to provide coverage: 57.5 percent of Wyoming workers in firms with 1,000 or more workers had coverage in their own name, compared with 23.4 percent of workers in firms with fewer than 10 employees.

• Among Wyoming workers, the most likely to have employment-based health insurance in their own name were those in transportation, communications, and utilities, 68.6 percent, and in government, 66.4 percent. Government workers had the lowest uninsured rate in the state, 7.4 percent, followed by workers in manufacturing, 11.3 percent. The highest uninsured rates in the state were among workers in construction, 34.4 percent, and in wholesale/retail trade, 31.9 percent.

• Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 75.6 percent, than part-time workers, 57.2 percent. They had a lower uninsured rate, 14.0 percent, than part-time workers, 24.3 percent. Among nonworkers, 41.4 percent had employment-based coverage, and 25.5 percent were uninsured.

Colorado

• The percentage of Colorado's nonelderly population (under age 65) without health insurance coverage in 1997 was 16.5 percent. This was lower than the national rate, 18.3 percent. Colorado's nonelderly population also had a higher rate of private coverage, 76.7 percent, than the national rate, 70.9 percent.

• Children living in Colorado--infants through age 17--had a higher rate of employment-based health insurance coverage, 67.0 percent, than the national rate, 59.7 percent. The uninsured rate for children in Colorado,
13.4 percent, was below the national rate, 15.0 percent.

• Children living in families with incomes at 150-199 percent the federal poverty level were most likely to be uninsured, 29.8 percent, and children in families with incomes of 400 percent or more of the federal poverty level were least likely to be uninsured, 6.6 percent.

• Colorado workers had a higher rate of employment-based health insurance coverage,72.6 percent, than the national rate, 72.2 percent. Also, 56.7 percent of Colorado 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: 72.2 percent of Colorado workers in firms with 1,000 or more workers had coverage in their own name, compared with 33.0 percent of those in firms with fewer than 10 employees.

• Among Colorado workers, the most likely to have employment-based health insurance coverage in their own name were those in transportation, communications and utilities, 76.3 percent, and in manufacturing, 75.9 percent. Transportation, communications, and utility workers had the lowest uninsured rate in the state, 6.2 percent, followed by workers in government, 7.8 percent. Workers in construction and in agriculture/mining had the highest uninsured rates in the state at 31.5 percent and 28.8 percent, respectively.

• Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 79.1 percent, than part-time workers, 62.5 percent. They had a lower uninsured rate, 13.5 percent, than part-time workers, 20.4 percent. Among nonworkers, 39.4 percent had employment-based coverage, and 22.6 percent were uninsured.

New Mexico

• The percentage of New Mexico's nonelderly population (under age 65) without health insurance coverage in 1997 was 25.2 percent. This was higher than the national rate, 18.3 percent. New Mexico's nonelderly population also had a lower rate of private coverage, 59.6 percent, than the national rate, 70.9 percent. New Mexico had the second-lowest rate of private health insurance coverage. Arkansas had the lowest rate.

• Children living in New Mexico--infants through age 17--had a lower rate of employment-based health insurance coverage, 46.6 percent, than the national rate, 59.7 percent. New Mexico had the second-lowest rate of employment-based coverage for children. The District of Columbia had the lowest rate. The uninsured rate for children in New Mexico, 20.1 percent, was above the national rate, 15.0 percent.

• Children living in families with incomes below the federal poverty level were most likely to be uninsured, 32.3 percent, and children in families with incomes at 400 percent or more of the federal poverty level were least likely to be uninsured, 2.8 percent.

• New Mexico workers had a lower rate of employment-based health insurance coverage, 62.4 percent, than the national rate, 72.2 percent. New Mexico had the lowest rate of employment-based coverage for workers. Also, 45.1 percent of New Mexico 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. New Mexico workers had the second-lowest rate of employment-based health insurance coverage in their own name. North Dakota had a lower rate.

• Larger firms were more likely than smaller firms to provide coverage: 61.2 percent of New Mexico's workers in firms with 1,000 or more workers had coverage in their own name, compared with 16.9 percent of workers in firms with fewer than 10 employees.

• Among New Mexico workers, the most likely to have employment-based health insurance coverage in their own name were those in transportation, communications, and utilities, 75.1 percent, and in government, 67.1 percent. Workers in transportation, communications, and utilities had the lowest uninsured rate in the state, 8.8 percent, followed by those in government, 11.6 percent. Workers in construction and in wholesale/retail trade had the highest uninsured rates in the state, at 44.6 percent and 38.6 percent, respectively.

• Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 72.4 percent, than part-time workers, 49.5 percent. They had a lower uninsured rate, 19.9 percent, than part-time workers, 32.9 percent. Among nonworkers, 31.2 percent had employment-based coverage, and 36.0 percent were uninsured.

Arizona

• The percentage of Arizona's nonelderly population (under age 65) without health insurance coverage in 1997 was 27.9 percent. This was higher than the national rate, 18.3 percent. Arizona had the second-highest uninsured rate. Arkansas had a higher uninsured rate. Arizona's nonelderly population had a lower rate of private coverage, 62.6 percent, than the national rate, 70.9 percent. Arizona had the third-lowest rate of private health insurance coverage. Arkansas and New Mexico had lower rates.

• Children living in Arizona--infants through age 17--had a lower rate of employment-based health insurance coverage, 50.7 percent, than the national rate, 59.7 percent. The uninsured rate for children in Arizona, 27.0 percent, was above the national rate, 15.0 percent. Arizona had the highest uninsured rate for children.

• Children living in families with incomes just above the federal poverty level-100 percent to 149 percent of poverty--were most likely to be uninsured, 44.7 percent, and children in families with incomes at 400 percent or more of the federal poverty level were least likely to be uninsured, 4.2 percent.

• Arizona workers had a lower rate of employment-based health insurance coverage, 63.5 percent, than the national rate, 72.2 percent. Arizona had the third-lowest rate of employment-based coverage for workers. New Mexico and Arkansas had lower rates. Also, 47.7 percent of Arizona 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: 62.6 percent of Arizona 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.

• Arizona workers most likely to have employment-based health insurance coverage in their own name were those in government, 73.9 percent, and in manufacturing, 67.7 percent. Workers in government had the lowest uninsured rate in the state, 12.9 percent, followed by workers in finance, insurance, and real estate at 13.6 percent. Workers in agriculture/mining and in construction had the highest uninsured rates in the state, at 60.0 percent and 42.9 percent, respectively.

• Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 71.7 percent, than part-time workers, 50.1 percent. They had a lower uninsured rate, 21.8 percent, than part-time workers, 30.8 percent. Among nonworkers, 35.8 percent had employment-based coverage and 35.4 percent were uninsured.

Utah

• The percentage of Utah's nonelderly population (under age 65) without health insurance coverage in 1997 was 14.8 percent. This was lower than the national rate, 18.3 percent. Utah's nonelderly population had a higher rate of private coverage, 79.7 percent, than the national rate, 70.9 percent.

• Children living in Utah--infants through age 17--had a higher rate of employment-based health insurance coverage, 70.1 percent, than the national rate, 59.7 percent. The uninsured rate for children in Utah, 12.5 percent, was below the national rate, 15.0 percent.

• Children living in families with incomes below the federal poverty level were most likely to be uninsured, 24.9 percent, and children in families with incomes at 400 percent or more of the federal poverty level were least likely to be uninsured, 8.9 percent.

• Utah workers had a higher rate of employment-based health insurance coverage, 75.4 percent, than the national rate, 72.2 percent. Also, 50.3 percent of Utah 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: 64.8 percent of Utah 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.

• Utah workers most likely to have employment-based health insurance coverage in their own name were those in government, 71.9 percent, and in transportation, communications, and utilities, 64.2 percent. Workers in government had the lowest uninsured in the state, 2.5 percent, followed by workers in finance, insurance, and real estate, 10.4 percent. Workers in construction and in agriculture/mining had the highest uninsured rates in the state, at 32.5 percent and 23.2 percent, respectively.

• Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 81.9 percent, than part-time workers, 65.8 percent. They had a lower uninsured rate, 13.6 percent, than part-time workers, 20.7 percent. Among nonworkers, 56.2 percent had employment-based coverage, and 15.6 percent were uninsured.

Nevada

• The percentage of Nevada's nonelderly population (under age 65) without health insurance coverage in 1997 was 20.0 percent. This was higher than the national rate, 18.3 percent. Nevada's nonelderly population also had a higher rate of private coverage, 73.4 percent, than the national rate, 70.9 percent.

• Children living in Nevada--infants through age 17--had a higher rate of employment-based health insurance coverage, 61.2 percent, than the national rate, 59.7 percent. The uninsured rate for children in Nevada, 19.7 percent, was above the national rate, 15.0 percent.

• Children living in families with incomes below the federal poverty level were most likely to be uninsured, 45.9 percent, and children in families with incomes at 400 percent or more of the federal poverty level were least likely to be uninsured, 5.3 percent.

• Nevada workers had a higher rate of employment-based health insurance coverage, 76.7 percent, than the national rate, 72.2 percent. Also, 61.4 percent of Nevada 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. Nevada workers had the third-highest rate of employment-based health insurance coverage in their own name. The District of Columbia and Indiana had higher rates.

• Larger firms were more likely than smaller firms to provide coverage: 74.4 percent of Nevada workers in firms with 1,000 or more workers had coverage in their own name, compared with 36.2 percent of workers in firms with fewer than 10 employees.

• Nevada workers most likely to have employment-based health insurance coverage in their own name were those in transportation, communications, and utilities, 85.0 percent, and in government, 74.7 percent. Workers in government had the lowest uninsured in the state, 5.2 percent, followed by workers in finance, insurance, and real estate, 8.8 percent. Workers in agriculture/mining had the highest uninsured rate in the state, 31.4 percent, followed by workers who were self-employed, 28.2 percent.

• Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 81.8 percent, than part-time workers, 57.2 percent. They had a lower uninsured rate, 14.6 percent, than part-time workers, 24.0 percent. Among nonworkers, 54.0 percent had employment-based coverage, and 25.4 percent were uninsured.

For more information, contact Ken McDonnell, (202) 775-6342, or visit EBRI online at www.ebri.org.

Source: Employee Benefit Research Institute tabulations of data from the March 1998 Current Population Survey.

8/99