September 1998

Sources of Health Insurance and Characterisitics of the Uninsured

Northeast Metropolitan Areas With 2 Million or More in Population Merged Data Years for 1994, 1995, 1996

Boston Consolidated Metropolitan Statistical Area (CMSA)

  • The percentage of the Boston CMSA's nonelderly population (under age 65) without health insurance coverage was 13.2 percent. This is lower than the national rate of 17.7 percent. The Boston CMSA's nonelderly population also had a higher rate of private coverage, 77.5 percent, than the national rate of 70.9 percent.
  • Children living in the Boston CMSA -- infants through age 17 -- had a higher rate of employment-based health insurance coverage, 70.9 percent, than the national rate, 58.9 percent. The uninsured rate for children in the Boston CMSA, 8.3 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, 17.7 percent, and children in families with income at 400 percent or more of the federal poverty level were least likely, 4.8 percent.
  • Workers in the Boston CMSA had a higher rate of employment-based health insurance coverage, 79.7 percent, than the national rate of 72.3 percent. Also, 57.6 percent of workers in the Boston CMSA had employment-based health insurance coverage in their own name, compared with 55.2 percent for the nation.
  • Larger firms were more likely to provide coverage than smaller firms: 69.0 percent of workers in the Boston CMSA in firms with 1,000 or more workers had coverage in their own name, compared with 31.6 percent of workers in firms with fewer than 10 employees.
  • Among workers in the Boston CMSA, the most likely to have employment-based health insurance in their own name were those in finance, insurance, and real estate, 71.0 percent, and manufacturing, 70.9 percent. Workers in government had the lowest uninsured rate in the CMSA, 7.2 percent, followed by workers in finance, insurance, and real estate at 7.9 percent. Workers in construction and wholesale/retail trade had the highest uninsured rates in the state, 24.3 percent and 18.7 percent, respectively.
  • Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 85.1 percent, than part-time workers, 71.7 percent. They had a lower uninsured rate, 10.9 percent, than part-time workers, 14.7 percent. Among nonworkers, 44.4 percent had employment-based coverage, and 20.6 percent were uninsured.

New York City Consolidated Metropolitan Statistical Area

  • The percentage of the New York City CMSA's nonelderly population (under age 65) without health insurance coverage, 20.9 percent, was higher than the national rate of 17.7 percent. The New York City CMSA's nonelderly population also had a lower rate of private coverage, 65.6 percent, than the national rate of 70.9 percent.
  • Children living in the New York City CMSA -- infants through age 17 -- had a slightly lower rate of employment-based health insurance coverage, 57.0 percent, than the national rate, 58.9 percent. The uninsured rate for children in the New York City CMSA, 15.6 percent, was above the national rate of 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, 33.6 percent. Children in families with incomes at 400 percent or more of the federal poverty level were least likely to be uninsured, 4.7 percent.
  • A slightly higher rate of workers in the New York City CMSA had employment-based health insurance coverage, 72.4 percent, than the national rate of 72.3 percent. Also, 57.3 percent of workers in the New York City CMSA 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 workers in the New York City CMSA in firms with 1,000 or more workers, 73.8 percent had coverage in their own name, compared with 27.1 percent of workers in firms with fewer than 10 employees.
  • Among workers in the New York City CMSA, the most likely to have employment-based health insurance in their own name were those in government, 78.3 percent, and in finance, insurance, and real estate, 75.0 percent. Workers in government had the lowest uninsured rate in the CMSA, 7.6 percent, followed by those in finance, insurance and real estate, 10.1 percent. Workers in construction and in wholesale/retail trade had the highest uninsured rate in the CMSA at 31.0 percent and 29.0 percent, respectively.
  • Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 78.2 percent, than part-time workers, 63.3 percent. They had a lower uninsured rate, 16.5 percent, than part-time workers, 21.3 percent. Among nonworkers, 36.9 percent had employment-based coverage, and 27.3 percent were uninsured.

Philadelphia Consolidated Metropolitan Statistical Area

  • The percentage of the Philadelphia CMSA's nonelderly population (under age 65) without health insurance coverage, 14.6 percent, was lower than the national rate, 17.7 percent. The Philadelphia CMSA's nonelderly population also has a higher rate of private coverage, 74.7 percent, than the national rate, 70.9 percent.
  • Children living in the Philadelphia CMSA -- infants through age 17 -- had a higher rate of employment-based health insurance coverage, 64.4 percent, than the national rate of 58.9 percent. The uninsured rate for children in the Philadelphia CMSA, 11.7 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, 26.8 percent. Children in families with incomes at 400 percent or more of the federal poverty level were least likely to be uninsured, 3.6 percent.
  • Workers in the Philadelphia CMSA had a slightly higher rate of employment-based health insurance coverage, 77.5 percent, than the national rate of 72.3 percent. Also, 59.7 percent of workers in the Philadelphia CMSA 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 workers in the Philadelphia CMSA in firms with 1,000 or more workers, 73.1 percent had coverage in their own name, compared with 26.8 percent of workers in firms with fewer than 10 employees.
  • Among workers in the Philadelphia CMSA, the most likely to have employment-based health insurance in their own name were those in transportation, communications, and utilities, 80.2 percent, and in manufacturing, 78.7 percent. Finance, insurance, and real estate workers had the lowest uninsured rate in the CMSA, 5.8 percent, followed by workers in the manufacturing at 8.0 percent. The highest uninsured rates in the CMSA were among workers who were self-employed, 22.4 percent, and wholesale/retail trade, 19.8 percent.
  • Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 84.9 percent, than part-time workers, 67.8 percent. They had a lower uninsured rate, 10.1 percent, than part-time workers, 22.0 percent. Among nonworkers, 36.7 percent had employment-based coverage, and 23.8 were uninsured.

Pittsburgh Metropolitan Statistical Area (MSA)

  • The percentage of the Pittsburgh MSA's nonelderly population (under age 65) without health insurance coverage, 11.8 percent, was lower than the national rate, 17.7 percent. The Pittsburgh MSA's nonelderly population also had a higher rate of private coverage, 81.5 percent, than the national rate, 70.9 percent.
  • Children living in the Pittsburgh MSA -- infants through age 17 -- had a higher rate of employment-based health insurance coverage, 69.6 percent, than the national rate, 58.9 percent. The uninsured rate for children in the Pittsburgh MSA, 6.2 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, 17.4 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.
  • Workers in the Pittsburgh MSA had a higher rate of employment-based health insurance coverage, 78.7 percent, than the national rate, 72.3 percent. Also, 57.9 percent of workers in the Pittsburgh MSA 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 workers in the Pittsburgh MSA in firms with 1,000 or more workers, 69.3 percent had coverage in their own name, compared with 29.1 percent of those in firms with fewer than 10 employees.
  • Among workers in the Pittsburgh MSA, the most likely to have employment-based health insurance coverage in their own name were those in manufacturing, 82.5 percent, and in transportation, communications, and utilities, 75.2 percent. Government workers had the lowest uninsured rate in the MSA, 2.6 percent, followed by workers in finance, insurance, and real estate, 3.4 percent. Workers who are self-employed had the highest uninsured rate in the MSA, 22.6 percent, followed by workers in wholesale/retail trade, 14.9 percent, respectively.
  • Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 85.7 percent, than part-time workers, 65.8 percent. They had a lower uninsured rate, 8.9 percent, than part-time workers, 13.5 percent. Among nonworkers, 51.1 percent had employment-based coverage, and 20.1 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 1995, March 1996, and March 1997 Current Population Survey.
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