March 1998

Sources of Health Insurance and Characteristics of the Uninsured East North Central States, 1996

Ohio

  • The percentage of Ohio's nonelderly population (under age 65) without health insurance coverage, 13.1 percent, was lower than the national rate of 17.7 percent. Ohio's nonelderly population also had a higher rate of private coverage, 76.5 percent, than the national rate of 70.9 percent.
  • Children living in Ohio -- infants through age 17 -- had a higher rate of employment-based health insurance coverage, 67.8 percent, than the national rate, 58.9 percent. The uninsured rate for children in Ohio, 10.1 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, 19.2 percent. Children in families with incomes at 400 percent or more of the federal poverty level were least likely to be uninsured, 0.8 percent.
  • Ohio workers had a higher rate of employment-based health insurance coverage, 79.2 percent, than the nation, 72.3 percent. Also, 57.9 percent of Ohio workers 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 Ohio workers in firms with 1,000 or more workers, 67.7 percent had coverage in their own name, compared with 28.7 percent of workers in firms with fewer than 10 employees.
  • Among Ohio workers, the most likely to have employment-based health insurance in their own name were those in manufacturing, 79.8 percent, and government, 73.6 percent. Workers in government had the lowest uninsured rate in the state, 3.7 percent, followed by wholesale trade workers at 6.8 percent. Workers in construction and business and repair had the highest uninsured rates in the state, 27.2 percent and 25.0 percent, respectively.
  • Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 85.5 percent, than part-time workers, 76.3 percent. Part-time workers had a lower uninsured rate, 9.9 percent, compared with 10.3 percent for full-time workers. Among nonworkers, 45.0 percent had employment-based coverage, and 20.5 percent were uninsured.

Indiana

  • The percentage of Indiana's nonelderly population (under age 65) without health insurance coverage, 12.2 percent, was lower than the national rate of 17.7 percent. Indiana's nonelderly population also had a higher rate of private coverage, 83.4 percent, than the national rate of 70.9 percent. Indiana had the highest rate of private health insurance coverage in the nation.
  • Children living in Indiana -- infants through age 17 -- had a higher rate of employment-based health insurance coverage, 74.9 percent, than the national rate, 58.9 percent. Indiana had the highest rate of employment-based health insurance coverage for children. The uninsured rate for children in Indiana, 9.6 percent, was also below the national rate of 14.8 percent.
  • Children living in families with incomes of 150-199 percent of the federal poverty level were the most likely to be uninsured, 20.3 percent. Children in families with incomes at 200-399 percent of the federal poverty level were least likely to be uninsured, less than 6.0 percent.
  • Indiana workers had a higher rate of employment-based health insurance coverage, 80.5 percent, than the national rate, 72.3 percent. Also, 60.3 percent of Indiana workers had employment-based health insurance coverage in their own name, compared with 55.2 percent for the nation. Along with Hawaii and North Carolina, Indiana workers had the second highest rate of workers with employment-based health insurance in their own name. Nevada had the highest rate.
  • Larger firms were more likely than smaller firms to provide coverage. Among Indiana workers in firms with 1,000 or more workers, 71.7 percent had coverage in their own name, compared with 33.5 percent of workers in firms with fewer than 10 employees.
  • Among Indiana workers, the most likely to have employment-based health insurance in their own name were those in manufacturing, 81.8 percent, and in transportation, communications, and utilities, 72.5 percent. Workers in finance, insurance, and real estate had the lowest uninsured rate in the state, 5.0 percent, followed by those in manufacturing, 5.3 percent. Workers in business repair services and personal services had the highest uninsured rates in the state at 33.3 percent and 26.8 percent, respectively.
  • Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 85.5 percent, than part-time workers, 73.9 percent. They had a lower uninsured rate, 9.7 percent, than part-time workers, 10.5 percent. Among nonworkers, 47.7 percent had employment-based coverage, and 20.9 percent were uninsured.

Illinois

  • The percentage of Illinois' nonelderly population (under age 65) without health insurance coverage, 12.5 percent, was lower than the national rate, 17.7 percent. Illinois' nonelderly population also had a higher rate of private coverage, 76.8 percent, than the national rate, 70.9 percent.
  • Children living in Illinois -- infants through age 17 -- had a higher rate of employment-based health insurance coverage, 67.6 percent, than the national rate of 58.9 percent. The uninsured rate for children in Illinois, 9.8 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, 15.3 percent. Children in families with incomes at 400 percent or more of the federal poverty level were least likely to be uninsured, 6.2 percent.
  • Illinois workers had a higher rate of employment-based health insurance coverage, 79.4 percent, than the nation, 72.3 percent. Also, 60.1 percent of Illinois workers 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 Illinois workers in firms with 1,000 or more workers, 73.1 percent had coverage in their own name, compared with 28.5 percent of workers in firms with fewer than 10 employees.
  • Among Illinois workers, the most likely to have employment-based health insurance in their own name were those in manufacturing, 76.6 percent, and government, 76.2 percent. Government workers had the lowest uninsured rate in the state, 5.5 percent, followed by workers in finance, insurance, and real estate at 6.5 percent. The highest uninsured rates in the state were among workers in entertainment and recreational services, 37.7 percent, and agriculture, 23.5 percent.
  • Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 85.9 percent, than part-time workers, 68.8 percent. They had a lower uninsured rate, 9.4 percent, than part-time workers, 17.5 percent. Among nonworkers, 45.8 percent had employment-based coverage, and 20.2 were uninsured.

Michigan

  • The percentage of Michigan's nonelderly population (under age 65) without health insurance coverage, 10.1 percent, was lower than the national rate, 17.7 percent. Only Wisconsin and Hawaii had lower uninsured rates. Michigan's nonelderly population also had a higher rate of private coverage, 79.6 percent, than the national rate, 70.9 percent.
  • Children living in Michigan -- infants through age 17 -- had a higher rate of employment-based health insurance coverage, 68.3 percent, than the national rate, 58.9 percent. The uninsured rate for children in Michigan, 7.3 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, 14.9 percent. Children in families with incomes of 400 percent or more of the federal poverty level were least likely to be uninsured, 3.0 percent.
  • Michigan workers had a higher rate of employment-based health insurance coverage, 81.1 percent, than the nation, 72.3 percent. Also, 58.1 percent of Michigan workers 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 Michigan workers in firms with 1,000 or more workers, 67.4 percent had coverage in their own name, compared with 27.7 percent of those in firms with fewer than 10 employees.
  • Among Michigan workers, the most likely to have employment-based health insurance coverage in their own name were those in manufacturing, 82.1 percent, and transportation, communications, and utilities, 77.8 percent. Government workers had the lowest uninsured rate in the state, 4.8 percent, followed by workers in manufacturing, 5.5 percent. Workers in personal services and construction had the highest uninsured rates in the state at 26.6 percent and 21.4 percent, respectively.
  • Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 87.6 percent, than part-time workers, 67.4 percent. They had a lower uninsured rate, 8.1 percent, than part-time workers, 11.8 percent. Among nonworkers, 54.4 percent had employment-based coverage, and 15.0 percent were uninsured.

Wisconsin

  • The percentage of Wisconsin's nonelderly population (under age 65) without health insurance coverage, 9.5 percent, was lower than the national rate, 17.7 percent. Wisconsin had the lowest uninsured rate in the nation. Wisconsin's nonelderly population also had a higher rate of private coverage, 82.5 percent, than the national rate, 70.9 percent. Only Indiana and Utah had higher rates of private coverage.
  • Children living in Wisconsin -- infants through age 17 -- had a higher rate of employment-based health insurance coverage, 72.0 percent, than the national rate, 58.9 percent. Only Indiana and Utah had higher rates of employment-based health insurance coverage for children. The uninsured rate for children in Wisconsin, 6.3 percent, was below the national rate, 14.8 percent. Only Hawaii and Vermont had lower uninsured rates for children.
  • Children living in families with incomes below the federal poverty level were the most likely to be uninsured, 19.8 percent. Children in families with incomes at 400 percent or more of the federal poverty level were least likely to be uninsured, less than 3.2 percent.
  • Wisconsin workers had a higher rate of employment-based health insurance coverage, 79.0 percent, than the nation, 72.3 percent. Also, 58.6 percent of Wisconsin workers 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 Wisconsin workers in firms with 1,000 or more workers, 69.2 percent had coverage in their own name, compared with 27.6 percent of workers in firms with fewer than 10 employees.
  • Among Wisconsin workers, the most likely to have employment-based health insurance coverage in their own name were those in transportation, communications, and utilities, 83.3 percent, and manufacturing, 75.3 percent. Workers in professional services had the lowest uninsured rate in the state, 4.0 percent, followed by those in transportation, communications, and utilities, 4.4 percent. Workers in personal services and those who were self-employed had the highest uninsured rates in the state, at 37.8 percent and 21.1 percent, respectively.
  • Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 87.2 percent, than part-time workers, 61.7 percent. They had a lower uninsured rate, 8.1 percent, than part-time workers, 14.4 percent. Among nonworkers, 52.0 percent had employment-based coverage, and 11.4 percent were uninsured.

For more information, contact Ken McDonnell, (202) 775-6342, e-mail: mcdonnell@ebri.org, or visit EBRI online at http://www.ebri.org.

Source: Employee Benefit Research Institute tabulations of data from the March 1997 Current Population Survey.
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