September 1998

Sources of Health Insurance and Characteristics of the Uninsured

South Metropolitan Areas With 2 Million or More in Population Merged data years 1994, 1995, and 1996

Atlanta Metropolitan Statistical Area (MSA)

  • The percentage of the Atlanta MSA's nonelderly population (under age 65) without health insurance coverage was 17.0 percent. This is lower than the national rate of 17.7 percent. The Atlanta MSA's nonelderly population also had a higher rate of private coverage, 74.1 percent, than the national rate of 70.9 percent.
  • Children living in the Atlanta MSA -- infants through age 17 -- had a higher rate of employment-based health insurance coverage, 68.9 percent, than the national rate of 58.9 percent. The uninsured rate for children in the Atlanta MSA, 13.1 percent, was below the national rate, 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, 28.5 percent, and children in families with income at 400 percent or more of the federal poverty level were least likely, 4.9 percent.
  • Workers in the Atlanta MSA had a higher rate of employment-based health insurance coverage, 75.4 percent, than the national rate of 72.3 percent. Also, 59.3 percent of workers in the Atlanta 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: 73.4 percent of workers in the Atlanta MSA in firms with 1,000 or more workers had coverage in their own name, compared with 23.7 percent of workers in firms with fewer than 10 employees.
  • Among workers in the Atlanta MSA, the most likely to have employment-based health insurance in their own name were those in government, 79.6 percent, and in transportation, communications, and utilities, 77.1 percent. Workers in government and finance, insurance, and real estate had the lowest uninsured rate in the MSA, 6.2 percent each. Workers in construction and those who were self-employed had the highest uninsured rates in the MSA, 46.7 percent and 30.2 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, 68.0 percent. They had a lower uninsured rate, 14.8 percent, than part-time workers, 20.8 percent. Among nonworkers, 41.6 percent had employment-based coverage, and 31.9 percent were uninsured.

Dallas/Fort Worth Consolidated Metropolitan Statistical Area (CMSA)

  • The percentage of the Dallas/Fort Worth CMSA's nonelderly population (under age 65) without health insurance coverage, 21.5 percent, was higher than the national rate of 17.7 percent. The Dallas/Fort Worth CMSA's nonelderly population also had a higher rate of private coverage, 73.2 percent, than the national rate of 70.9 percent.
  • Children living in the Dallas/Fort Worth CMSA -- infants through age 17 -- had a higher rate of employment-based health insurance coverage, 64.9 percent, than the national rate of 58.9 percent. The uninsured rate for children in the Dallas/Fort Worth CMSA, 19.7 percent, was above the national rate of 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, 40.0 percent. Children in families with incomes at 400 percent or more of the federal poverty level were least likely to be uninsured, 7.6 percent.
  • A lower rate of workers in the Dallas/Fort Worth CMSA had employment-based health insurance coverage, 72.1 percent, than the national rate of 72.3 percent. Also, 56.5 percent of workers in the Dallas/Fort Worth 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 Dallas/Fort Worth CMSA in firms with 1,000 or more workers, 71.6 percent had coverage in their own name, compared with 22.3 percent of workers in firms with fewer than 10 employees.
  • Among workers in the Dallas/Fort Worth CMSA, the most likely to have employment-based health insurance in their own name were those in manufacturing, 80.4 percent, and in finance, insurance, and real estate, 78.8 percent. Workers in finance, insurance, and real estate had the lowest uninsured rate in the CMSA, 6.5 percent, followed by those in transportation, communications, and utilities, 11.0 percent. Workers in construction and those who were self-employed had the highest uninsured rates in the CMSA at 39.2 percent and 32.7 percent, respectively.
  • Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 77.4 percent, than part-time workers, 58.0 percent. They had a lower uninsured rate, 17.8 percent, than part-time workers, 25.1 percent. Among nonworkers, 42.9 percent had employment-based coverage, and 33.8 percent were uninsured.

Houston Consolidated Metropolitan Statistical Area (CMSA)

  • The percentage of the Houston CMSA's nonelderly population (under age 65) without health insurance coverage, 30.1 percent, was significantly higher than the national rate of 17.7 percent. The Houston CMSA's nonelderly population also had a lower rate of private coverage, 61.0 percent, than the national rate of 70.9 percent.
  • Children living in the Houston CMSA -- infants through age 17 -- had a lower rate of employment-based health insurance coverage, 49.4 percent, than the national rate of 58.9 percent. The uninsured rate for children in the Houston CMSA, 27.6 percent, was above 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, 44.8 percent. Children in families with incomes at 400 percent or more of the federal poverty level were least likely to be uninsured, 6.5 percent.
  • Workers in the Houston CMSA had a lower rate of employment-based health insurance coverage, 64.9 percent, than the nation, 72.3 percent. Also, 51.7 percent of workers in the Houston 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 Houston CMSA in firms with 1,000 or more workers, 67.1 percent had coverage in their own name, compared with 19.3 percent of workers in firms with fewer than 10 employees.
  • Among workers in the Houston CMSA, the most likely to have employment-based health insurance in their own name were those in government, 78.7 percent, and in finance, insurance, and real estate, 74.0 percent. Government workers had the lowest uninsured rate in the CMSA, 6.7 percent, followed by workers in finance, insurance, and real estate at 14.3 percent. The highest uninsured rates in the CMSA were among workers in construction, 44.0 percent, and in the wholesale/retail trade, 35.7 percent.
  • Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 72.6 percent, than part-time workers, 52.8 percent. They had a lower uninsured rate, 23.0 percent than part-time workers, 33.1 percent. Among nonworkers, 30.3 percent had employment-based coverage, and 45.2 were uninsured.

Miami Consolidated Metropolitan Statistical Area (CMSA)

  • The percentage of the Miami CMSA's nonelderly population (under age 65) without health insurance coverage, 27.1 percent, was significantly higher than the national rate of 17.7 percent. The Miami CMSA's nonelderly population also had a lower rate of private coverage, 61.0 percent, than the national rate of 70.9 percent.
  • Children living in the Miami CMSA -- infants through age 17 -- had a lower rate of employment-based health insurance coverage, 48.5 percent, than the national rate of 58.9 percent. The uninsured rate for children in the Miami CMSA, 22.2 percent, was significantly above the national rate, 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, 43.4 percent. Children in families with incomes of 400 percent or more of the federal poverty level were least likely to be uninsured, 7.1 percent.
  • Workers in the Miami CMSA had a lower rate of employment-based health insurance coverage, 61.7 percent, than the nation, 72.3 percent. Also, 49.2 percent of workers in the Miami 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 Miami CMSA in firms with 1,000 or more workers, 68.1 percent had coverage in their own name, compared with 23.9 percent of those in firms with fewer than 10 employees.
  • Among workers in the Miami CMSA, the most likely to have employment-based health insurance coverage in their own name were those in government, 79.6 percent, and in finance, insurance, and real estate, 68.5 percent. Government workers had the lowest uninsured rate in the CMSA, 8.7 percent, followed by workers in finance, insurance, and real estate, 16.2 percent. Workers in construction had the highest uninsured rate in the CMSA, 35.4 percent, followed by workers in wholesale/retail trade, 35.2 percent.
  • Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 67.5 percent, than part-time workers, 41.5 percent. They had a lower uninsured rate, 23.2 percent, than part-time workers, 33.4 percent. Among nonworkers, 25.5 percent had employment-based coverage, and 36.1 percent were uninsured.

Tampa/St. Petersburg Metropolitan Statistical Area (MSA)

  • The percentage of the Tampa/St. Petersburg MSA's nonelderly population (under age 65) without health insurance coverage, 19.8 percent, was higher than the national rate of 17.7 percent. The Tampa/St. Petersburg MSA's nonelderly population had a lower rate of private coverage, 63.4 percent, than the national rate of 70.9 percent.
  • Children living in the Tampa/St. Petersburg MSA -- infants through age 17 -- had a lower rate of employment-based health insurance coverage, 50.3 percent, than the national rate of 58.9 percent. The uninsured rate for children in the Tampa/St. Petersburg MSA, 16.8 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, 23.4 percent. Children in families with incomes of 400 percent or more of the federal poverty level were least likely to be uninsured, 9.2 percent.
  • Workers in the Tampa/St. Petersburg MSA had a lower rate of employment-based health insurance coverage, 66.6 percent, than the national rate of 72.3 percent. Also, 53.4 percent of workers in the Tampa/St. Petersburg 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 Tampa/St. Petersburg MSA in firms with 1,000 or more workers, 69.1 percent had coverage in their own name, compared with 26.2 percent of those in firms with fewer than 10 employees.
  • Among workers in the Tampa/St. Petersburg MSA, the most likely to have employment-based health insurance coverage in their own name were those in finance, insurance, and real estate, 77.1 percent, and in government, 74.2 percent. Government workers had the lowest uninsured rate in the MSA, 6.8 percent, followed by finance, insurance, and real estate workers, 8.9 percent. Construction workers had the highest uninsured rate in the MSA, 52.3 percent, followed by workers who were self-employed at 36.9 percent.
  • Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 73.7 percent, than part-time workers, 45.6 percent. They had a lower uninsured rate, 18.2 percent, than part-time workers, 35.3 percent. Among nonworkers, 36.4 percent had employment-based coverage, and 19.7 percent were uninsured.

Washington DC/Baltimore Consolidated Metropolitan Statistical Area (CMSA)

  • The percentage of the Washington DC/Baltimore CMSA's nonelderly population (under age 65) without health insurance coverage, 13.7 percent, was lower than the national rate of 17.7 percent. The Washington DC/Baltimore CMSA's nonelderly population also had a higher rate of private coverage, 76.4 percent, than the national rate of 70.9 percent.
  • Children living in the Washington DC/Baltimore CMSA -- infants through age 17 -- had a higher rate of employment-based health insurance coverage, 63.9 percent, than the national rate of 58.9 percent. The uninsured rate for children in the Washington DC/Baltimore CMSA, 10.2 percent, was below the national rate of 14.8 percent.
  • Children living in families with incomes just above the federal poverty level -- 100 percent to 149 percent -- were the most likely to be uninsured, 21.0 percent. Children in families with incomes of 400 percent or more of the federal poverty level were least likely to be uninsured, 5.4 percent.
  • Workers in the Washington DC/Baltimore CMSA had a higher rate of employment-based health insurance coverage, 76.0 percent, than the national rate of 72.3 percent. Also, 57.1 percent of workers in the Washington DC/Baltimore 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 Washington DC/Baltimore CMSA in firms with 1,000 or more workers, 68.4 percent had coverage in their own name, compared with 28.1 percent of those in firms with fewer than 10 employees.
  • Among workers in the Washington DC/Baltimore CMSA, the most likely to have employment-based health insurance coverage in their own name were those in government, 73.3 percent, and in transportation, communications, and utilities, 73.0 percent. Government workers had the lowest uninsured rate in the CMSA, 4.0 percent, followed by workers in finance, insurance, and real estate, 6.3 percent. Workers in construction had the highest uninsured rate in the CMSA, 27.1 percent, followed by workers in wholesale/retail trade, 26.5 percent.
  • Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 83.4 percent, than part-time workers, 65.9 percent. They had a lower uninsured rate, 10.8 percent, than part-time workers, 19.5 percent. Among nonworkers, 39.3 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 1995, March 1996, and March 1997 Current Population Surveys. 9/98