January 2000

 

Sources of Health Insurance and Characteristics of the Uninsured

New England States, 1998

Maine

  • The percentage of Maine's nonelderly population (under age 65) without health insurance coverage in 1998 was 14.6 percent. This was lower than the national rate of 18.4 percent. Maine's nonelderly population also had a higher rate of employment-based coverage, 68.8 percent, than the national rate of 64.9 percent.
  • Children living in Maine--infants through age 17--had a higher rate of employment-based health insurance coverage, 62.0 percent, than the national rate, 60.2 percent. The uninsured rate for children in Maine, 10.4 percent, was below the national rate, 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, 37.0 percent, and children in families with incomes at 400 percent or more of the federal poverty level were least likely, less than 1 percent.
  • Maine workers had a higher rate of employment-based health insurance coverage, 75.9 percent, than the nation, 72.8 percent. Also, 55.1 percent of Maine 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: 73.9 percent of Maine workers in firms with 1,000 or more employees had coverage in their own name, compared with 14.1 percent of workers in firms with fewer than 10 employees.
  • Among Maine workers, the most likely to have employment-based health insurance in their own name were those in manufacturing, 81.2 percent, and in government, 78.4 percent. Workers in government had the lowest uninsured rate in the state, 4.7 percent, followed by finance, insurance, and real estate workers at 8.4 percent. Workers who worked in transportation, communications, and utilities and those who were self-employed had the highest uninsured rates in the state, 33.0 percent and 30.7 percent, respectively.
  • Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 82.9 percent, than part-time workers, 60.0 percent. They had a lower uninsured rate, 12.0 percent, than part-time workers, 28.9 percent. Among nonworkers, 48.0 percent had employment-based coverage, and 17.5 percent were uninsured.

New Hampshire

  • The percentage of New Hampshire's nonelderly population (under age 65) without health insurance coverage in 1998, 12.5 percent, was lower than the national rate of 18.4 percent. New Hampshire's nonelderly population also had a higher rate of employment-based coverage, 71.7 percent, than the national rate of 64.9 percent.
  • Children living in New Hampshire--infants through age 17--had a higher rate of employment-based health insurance coverage, 66.5 percent, than the national rate, 60.2 percent. The uninsured rate for children in New Hampshire, 9.6 percent, was also below the national rate of 15.4 percent.
  • Children living in families with incomes below the federal poverty level were the most likely to be uninsured, 24.7 percent. Children in families with incomes at 400 percent or more of the federal poverty level were least likely to be uninsured, 6.7 percent.
  • A higher rate of New Hampshire workers had employment-based health insurance coverage, 77.3 percent, than the national rate of 72.8 percent. Also, 53.4 percent of New Hampshire 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. Among New Hampshire workers in firms with 1,000 or more employees, 60.2 percent had coverage in their own name, compared with 29.6 percent of workers in firms with fewer than 10 employees.
  • Among New Hampshire workers, the most likely to have employment-based health insurance in their own name were those in finance, insurance, and real estate, 73.6 percent, and in manufacturing, 74.9 percent. Workers in government had the lowest uninsured rate in the state, 4.1 percent, followed by those in finance, insurance, and real estate, 4.6 percent. Workers in construction and in agriculture/mining had the highest uninsured rate in the state at 42.1 percent and 23.4 percent, respectively.
  • Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 81.8 percent, than part-time workers, 70.1 percent. They had a lower uninsured rate, 11.1 percent, than part-time workers, 17.0 percent. Among nonworkers, 53.2 percent had employment-based coverage, and 19.2 percent were uninsured.

Vermont

  • The percentage of Vermont's nonelderly population (under age 65) without health insurance coverage in 1998, 11.0 percent, was lower than the national rate, 18.4 percent. Vermont's nonelderly population also had a higher rate of private employment-based coverage, 67.3 percent, than the national rate, 64.9 percent.
  • Children living in Vermont--infants through age 17--had a higher rate of employment-based health insurance coverage, 63.6 percent, than the national rate of 60.2 percent. The uninsured rate for children in Vermont, 6.3 percent in 1998, was below the national rate, 15.4 percent. Only Nebraska had lower uninsured rates for children than Vermont, at 5.5 percent.
  • Children living in families with incomes below the federal poverty level were the most likely to be uninsured, 16.3 percent. Children in families with incomes at 100 percent to 149 percent of the federal poverty level were least likely to be uninsured, 3.4 percent.
  • Vermont workers had a slightly lower rate of employment-based health insurance coverage, 72.4 percent, than the nation, 72.8 percent. Also, 52.3 percent of Vermont 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. Among Vermont workers in firms with 1,000 or more employees, 70.5 percent had coverage in their own name, compared with 27.8 percent of workers in firms with fewer than 10 employees.
  • Among Vermont workers, the most likely to have employment-based health insurance in their own name were those in transportation, communications, and utilities, 69.0 percent, and in manufacturing, 78.5 percent. Workers in finance, insurance, and real estate had the lowest uninsured rate in the state, less than 1 percent, followed by workers in manufacturing, 4.5 percent. The highest uninsured rates in the state were among workers in construction, 38.8 percent, and in agriculture/mining, 26.9 percent. Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 81.4 percent, than part-time workers, 53.7 percent. They had a lower uninsured rate, 9.9 percent, than part-time workers, 13.9 percent. Among nonworkers, 40.4 percent had employment-based coverage, and 19.3 were uninsured.

Massachusetts

  • The percentage of Massachusetts' nonelderly population (under age 65) without health insurance coverage in 1998, 11.7 percent, was lower than the national rate, 18.4 percent. Massachusetts' nonelderly population also had a higher rate of employment-based coverage, 68.7 percent, than the national rate, 64.9 percent.
  • Children living in Massachusetts--infants through age 17--had a higher rate of employment-based health insurance coverage, 64.1 percent, than the national rate, 60.2 percent. The uninsured rate for children in Massachusetts, 8.0 percent, was below the national rate, 15.4 percent.
  • Children living in families with incomes below the federal poverty level were the most likely to be uninsured, 17.2 percent. Children in families with incomes of 100 percent to 149 percent of the federal poverty level were least likely to be uninsured, 3.4 percent.
  • Massachusetts workers had a higher rate of employment-based health insurance coverage, 76.4 percent, than the nation, 72.8 percent. Also, 55.0 percent of Massachusetts 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. Among Massachusetts workers in firms with 1,000 or more employees, 64.6 percent had coverage in their own name, compared with 29.5 percent of those in firms with fewer than 10 employees.
  • Among Massachusetts workers, the most likely to have employment-based health insurance coverage in their own name were those in transportation, communications, and utilities, 78.3 percent, and in finance, insurance, and real estate, 74.6 percent. Finance, insurance, and real estate workers had the lowest uninsured rate in the state, 5.3 percent, followed by workers in manufacturing, 6.2 percent. Workers in agriculture/mining and in construction had the highest uninsured rate in the state at 22.4 percent and 21.6 percent, respectively.
  • Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 80.7 percent, than part-time workers, 69.0 percent. They had a lower uninsured rate, 11.4 percent, than part-time workers, 14.1 percent. Among nonworkers, 37.1 percent had employment-based coverage, and 16.2 percent were uninsured.

Rhode Island

  • The percentage of Rhode Island's nonelderly population (under age 65) without health insurance coverage in 1998, 11.5 percent, was lower than the national rate, 18.4 percent. Rhode Island's nonelderly population also had a higher rate of private coverage, 71.4 percent, than the national rate, 64.9 percent.
  • Children living in Rhode Island--infants through age 17--had a higher rate of employment-based health insurance coverage, 65.6 percent, than the national rate, 60.2 percent. The uninsured rate for children in Rhode Island, 7.6 percent in 1998, was below the national rate, 15.4 percent. Nebraska and Vermont had lower rates at 5.5 percent and 6.3 percent, respectively.
  • Children living in families with incomes below the federal poverty level were the most likely to be uninsured, 15.1 percent. Children in families with incomes at 400 percent or more of the federal poverty level were least likely to be uninsured, 1.1 percent.
  • Rhode Island workers had a higher rate of employment-based health insurance coverage, 79.4 percent, than the nation, 72.8 percent. Also, 57.0 percent of Rhode Island 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. Among Rhode Island's workers in firms with 1,000 or more employees, 64.0 percent had coverage in their own name, compared with 32.5 percent of workers in firms with fewer than 10 employees.
  • Among Rhode Island workers, the most likely to have employment-based health insurance coverage in their own name were those in finance, insurance, and real estate, 77.3 percent, and in government, 72.1 percent. Workers in government had the lowest uninsured rate in the state, 8.1 percent, followed by those who were self-employed, 8.4 percent. Workers in construction and in agriculture/mining had the highest uninsured rates in the state, at 36.2 percent and 35.4 percent, respectively.
  • Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 83.8 percent, than part-time workers, 72.2 percent. They had a lower uninsured rate, 11.5 percent, than part-time workers, 16.1 percent. Among nonworkers, 39.2 percent had employment-based coverage, and 13.4 percent were uninsured.

Connecticut

  • The percentage of Connecticut's nonelderly population (under age 65) without health insurance coverage in 1998, 14.3 percent, was lower than the national rate, 18.4 percent. Connecticut's nonelderly population also had a higher rate of employment-based coverage, 71.0 percent, than the national rate, 64.9 percent.
  • Children living in Connecticut--infants through age 17--had a higher rate of employment-based health insurance coverage, 67.9 percent, than the national rate, 60.2 percent. The uninsured rate for children in Connecticut, 10.1 percent, was below the national rate, 15.4 percent.
  • Children living in families with incomes below the federal poverty level were the most likely to be uninsured, 35.7 percent. Children in families with incomes at 400 percent or more of the federal poverty level were least likely to be uninsured, 1.3 percent.
  • Connecticut workers had a higher rate of employment-based health insurance coverage, 78.7 percent, than the nation, 72.8 percent. Also, 59.2 percent of Connecticut 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. Among Connecticut workers in firms with 1,000 or more employees, 77.9 percent had coverage in their own name, compared with 35.0 percent of workers in firms with fewer than 10 employees.
  • Connecticut workers most likely to have employment-based health insurance coverage in their own name were those in finance, insurance, and real estate, 87.1 percent, and in manufacturing, 85.5 percent. Workers in finance, insurance, and real estate had the lowest uninsured rate in the state, 3.6 percent, followed by manufacturing workers at 6.2 percent. Workers who were self-employed and those in the wholesale/retail trade had the highest uninsured rates in the state, at 23.3 percent and 20.3 percent, respectively.
  • Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 84.4 percent, than part-time workers, 67.9 percent. They had a lower uninsured rate, 10.5 percent, than part-time workers, 26.3 percent. Among nonworkers, 44.5 percent had employment-based coverage, and 23.3 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 U.S. Census Bureau's March 1999 Current Population Survey.

1/00