April 2001

 

 

Sources of Health Insurance and Characteristics of the Uninsured

West North Central States, 1999

Minnesota

  • The percentage of Minnesota's nonelderly population (under age 65) without health insurance coverage in 1999 was 8.9 percent. This was lower than the national rate of 17.5 percent. Minnesota had the second-lowest uninsured rate, Rhode Island (8.1 percent) had a lower uninsured rate. Minnesota's nonelderly population also had a higher rate of employment-based coverage, 76.0 percent, than the national rate of 65.8 percent. Minnesota had the third highest rate of employment-based coverage. Connecticut (77.4 percent) and Maryland (76.2 percent) had higher rates.
  • Children living in Minnesota--infants through age 17--had a higher rate of employment-based health insurance coverage, 74.9 percent, than the national rate, 61.5 percent. The uninsured rate for children in Minnesota, 7.4 percent, was below the national rate, 13.9 percent.
  • Children living in families with incomes 150 percent to 199 percent of the federal poverty level were the most likely to be uninsured, 18.6 percent, and children in families with income at 400 percent or more of the federal poverty level were least likely to be uninsured, 2.6 percent.
  • Minnesota workers had a higher rate of employment-based health insurance coverage, 79.2 percent, than the national rate, 73.3 percent. Also, 57.1 percent of Minnesota workers had employment-based health insurance coverage in their own name (meaning they were the primary beneficiaries), compared with 55.6 percent for the nation.
  • Larger firms were more likely than smaller firms to provide coverage: 67.8 percent of Minnesota workers in firms with 1,000 or more workers had coverage in their own name, compared with 24.6 percent of workers in firms with fewer than 10 employees.
  • Among Minnesota workers, the most likely to have employment-based health insurance in their own name were those in manufacturing, 77.9 percent, and in finance, insurance, and real estate, 76.5 percent. Workers in finance, insurance, and real estate had the lowest uninsured rate in the state, 2.4 percent, followed by workers in government, at 3.8 percent. Workers in construction and in wholesale/retail trade had the highest uninsured rates in the state, 20.3 percent and 15.6 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, 67.3 percent. They had a higher uninsured rate, 8.7 percent, than part-time workers, 6.7 percent. Among nonworkers, 71.2 percent had employment-based coverage, and 9.1 percent were uninsured.

Iowa

  • The percentage of Iowa's nonelderly population (under age 65) without health insurance coverage in 1999, 9.5 percent, was lower than the national rate of 17.5 percent. Iowa had the third-lowest uninsured rate; Rhode Island (8.1 percent) and Minnesota (8.9 percent) had lower rates. Iowa's nonelderly population also had a higher rate of employment-based coverage, 74.5 percent, than the national rate of 65.8 percent.
  • Children living in Iowa--infants through age 17--had a higher rate of employment-based health insurance coverage, 74.7 percent, than the national rate, 61.5 percent. The uninsured rate for children in Iowa, 6.2 percent, was also below the national rate of 13.9 percent. Iowa had the third-lowest uninsured rate for children. Missouri (5.4 percent) and New Hampshire (5.9 percent) had lower rates.
  • Children living in families with incomes just above the federal poverty level--100 percent to 149 percent--were the most likely to be uninsured, 21.7 percent, and children in families with incomes at 400 percent or more of the federal poverty level were least likely to be uninsured, 0.7 percent.
  • A higher rate of Iowa workers had employment-based health insurance coverage, 77.1 percent, than the national rate of 73.3 percent. Also, 55.3 percent of Iowa workers had employment-based health insurance coverage in their own name (meaning they were the primary beneficiaries), compared with 55.6 percent for the nation.
  • Larger firms were more likely than smaller firms to provide coverage: 69.9 percent of Iowa workers in firms with 1,000 or more workers had coverage in their own name, compared with 29.5 percent of workers in firms with fewer than 10 employees.
  • Among Iowa workers, the most likely to have employment-based health insurance in their own name were those in transportation, communications, and utilities, 75.9 percent, and in manufacturing, 73.4 percent. Workers in government had the lowest uninsured rate in the state, 3.9 percent, followed by those in agriculture/mining, 4.0 percent. Workers in construction and in wholesale/retail trade had the highest uninsured rates in the state at 23.4 percent and 12.6 percent, respectively.
  • Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 82.7 percent, than part-time workers, 65.7 percent. They had a lower uninsured rate, 8.4 percent, than part-time workers, 10.5 percent. Among nonworkers, 70.7 percent had employment-based coverage, and 8.4 percent were uninsured.

Missouri

  • The percentage of Missouri's nonelderly population (under age 65) without health insurance coverage in 1999, 9.6 percent, was lower than the national rate, 17.5 percent. Missouri's nonelderly population also had a higher rate of employment-based coverage, 72.5 percent, than the national rate, 65.8 percent.
  • Children living in Missouri--infants through age 17--had a higher rate of employment-based health insurance coverage, 67.3 percent, than the national rate of 61.5 percent. The uninsured rate for children in Missouri,
    5.4 percent, was below the national rate, 13.9 percent. Missouri had the lowest uninsured rate for children.
  • Children living in families with incomes below the federal poverty level were the most likely to be uninsured, 7.6 percent, and children in families with incomes just above the federal poverty level--100 percent to 149 percent--were least likely to be uninsured, less than1 percent.
  • Missouri workers had a higher rate of employment-based health insurance coverage, 79.2 percent, than the national rate, 73.3 percent. Also, 61.7 percent of Missouri workers had employment-based health insurance coverage in their own name (meaning they were the primary beneficiaries), compared with 55.6 percent for the nation.
  • Larger firms were more likely than smaller firms to provide coverage: 65.9 percent of Missouri workers in firms with 1,000 or more workers had coverage in their own name, compared with 34.4 percent of workers in firms with fewer than 10 employees.
  • Among Missouri workers, the most likely to have employment-based health insurance in their own name were those in manufacturing, 86.7 percent, and in government, 79.0 percent. Manufacturing workers had the lowest uninsured rate in the state, 4.2 percent, followed by workers in government at 4.6 percent. The highest uninsured rates in the state were among workers in agriculture/mining, 18.9 percent, and workers who were self-employed, 18.6 percent.
  • Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 85.3 percent, than part-time workers, 65.9 percent. They had a lower uninsured rate, 8.2 percent, than part-time workers, 14.5 percent. Among nonworkers, 61.4 percent had employment-based coverage and 8.1 were uninsured.

North Dakota

  • The percentage of North Dakota's nonelderly population (under age 65) without health insurance coverage in 1999, 14.0 percent, was lower than the national rate, 17.5 percent. North Dakota's nonelderly population had a lower rate of employment-based coverage, 64.4 percent, than the national rate, 65.8 percent. North Dakota had the third-highest rate of individually purchased health insurance coverage, 12.8 percent. South Dakota (14.9 percent) and Nebraska (13.1 percent) had higher rates of individually purchased coverage.
  • Children living in North Dakota--infants through age 17--had a lower rate of employment-based health insurance coverage, 59.4 percent, than the national rate, 61.5 percent. The uninsured rate for children in North Dakota, 10.4 percent, was below the national rate, 13.9 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, 20.9 percent, and children in families with incomes of 400 percent or more of the federal poverty level were least likely to be uninsured, 5.0 percent.
  • North Dakota workers had a lower rate of employment-based health insurance coverage, 70.6 percent, than the national rate, 73.3 percent. Also, 51.1 percent of North Dakota workers had employment-based health insurance coverage in their own name (meaning they were the primary beneficiaries), compared with 55.6 percent for the nation.
  • Larger firms were more likely than smaller firms to provide coverage: 65.1 percent of North Dakota workers in firms with 1,000 or more workers had coverage in their own name, compared with 22.0 percent of those in firms with fewer than 10 employees.
  • Among North Dakota workers, the most likely to have employment-based health insurance coverage in their own name were those in transportation, communications, and utilities, 77.2 percent, and in government,
    68.7 percent. Finance, insurance, and real estate workers had the lowest uninsured rate in the state, 3.1 percent, followed by workers in government, 9.1 percent. Workers in agriculture/mining and in construction trade had the highest uninsured rates in the state at 24.2 percent and 20.9 percent, respectively.
  • Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 77.2 percent, than part-time workers, 53.3 percent. They had a lower uninsured rate, 10.3 percent, than part-time workers, 17.4 percent. Among nonworkers, 53.4 percent had employment-based coverage and 14.8 percent were uninsured.

South Dakota

  • The percentage of South Dakota's nonelderly population (under age 65) without health insurance coverage in 1999, 13.6 percent, was lower than the national rate, 17.5 percent. South Dakota's nonelderly population also had a lower rate of employment-based coverage, 63.7 percent, than the national rate, 65.8 percent. South Dakota had the highest rate of individually purchased health insurance coverage, 14.9 percent
  • Children living in South Dakota--infants through age 17--had a higher rate of employment-based health insurance coverage, 62.5 percent, than the national rate, 61.5 percent. The uninsured rate for children in South Dakota, 9.1 percent, was slightly below the national rate, 13.9 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, 15.8 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.
  • South Dakota workers had a lower rate of employment-based health insurance coverage, 67.4 percent, than the national rate, 73.3 percent. Also, 50.0 percent of South Dakota workers had employment-based health insurance coverage in their own name (meaning they were the primary beneficiaries), compared with 55.6 percent for the nation.
  • Larger firms were more likely than smaller firms to provide coverage: 56.0 percent of South Dakota's workers in firms with 1,000 or more workers had coverage in their own name, compared with 26.9 percent of workers in firms with fewer than 10 employees.
  • Among South Dakota workers, the most likely to have employment-based health insurance coverage in their own name were those in transportation, communications, and utilities, 73.9 percent, and in government,
    71.4 percent. Workers in government had the lowest uninsured rate in the state, 7.2 percent, followed by those in finance, insurance, and real estate, 7.4 percent. Workers in construction and those who were self-employed had the highest uninsured rates in the state, at 29.3 percent and 19.8 percent, respectively.
  • Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 77.0 percent, than part-time workers, 56.1 percent. They had a lower uninsured rate, 11.5 percent, than part-time workers, 15.3 percent. Among nonworkers, 56.5 percent had employment-based coverage, and 11.5 percent were uninsured.

Nebraska

  • The percentage of Nebraska's nonelderly population (under age 65) without health insurance coverage in 1999, 12.3 percent, was lower than the national rate, 17.5 percent. Nebraska's nonelderly population also had a higher rate of employment-based coverage, 66.5 percent, than the national rate, 65.8 percent. Nebraska had the second highest rate of individually purchased health insurance coverage, 13.1 percent; South Dakota had the highest, 14.9 percent.
  • Children living in Nebraska--infants through age 17--had a higher rate of employment-based health insurance coverage, 66.5 percent, than the national rate, 61.5 percent. The uninsured rate for children in Nebraska, 8.9 percent, was below the national rate, 13.9 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, 28.5 percent, and children in families with incomes at 400 percent or more of the federal poverty level were least likely to be uninsured, 0.7 percent.
  • Nebraska workers had a lower rate of employment-based health insurance coverage, 69.3 percent, than the national rate, 73.3 percent. Also, 49.3 percent of Nebraska workers had employment-based health insurance coverage in their own name (meaning they were the primary beneficiaries), compared with 55.6 percent for the nation.
  • Larger firms were more likely than smaller firms to provide coverage: 65.2 percent of Nebraska workers in firms with 1,000 or more workers had coverage in their own name, compared with 27.6 percent of workers in firms with fewer than 10 employees.
  • Nebraska workers most likely to have employment-based health insurance coverage in their own name were those in manufacturing, 69.6 percent, and in transportation, communications, and utilities, 66.6 percent. Workers in government also had the lowest uninsured rate in the state, 5.8 percent, followed by finance, insurance, and real estate workers at 7.5 percent. Workers in construction and in agriculture/mining had the highest uninsured rates in the state, at 24.4 percent and 20.3 percent, respectively.
  • Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 75.8 percent, than part-time workers, 52.0 percent. They had a lower uninsured rate, 11.6 percent, than part-time workers, 14.0 percent. Among nonworkers, 61.0 percent had employment-based coverage, and 11.2 percent were uninsured.

Kansas

  • The percentage of Kansas' nonelderly population (under age 65) without health insurance coverage in 1999, 14.0 percent, was lower than the national rate, 17.5 percent. Kansas' nonelderly population also had a higher rate of employment-based coverage, 68.2 percent, than the national rate, 65.8 percent.
  • Children living in Kansas--infants through age 17--had a higher rate of employment-based health insurance coverage, 63.8 percent, than the national rate, 61.5 percent. The uninsured rate for children in Kansas, 12.5 percent, was below the national rate, 13.9 percent.
  • Children living in families with incomes below the federal poverty level were the most likely to be uninsured, 37.9 percent, and children in families with incomes at 400 percent or more of the federal poverty level were least likely to be uninsured, 1.3 percent.
  • Kansas workers had a higher rate of employment-based health insurance coverage, 74.6 percent, than the national rate, 73.3 percent. Also, 55.3 percent of Kansas workers had employment-based health insurance coverage in their own name (meaning they were the primary beneficiaries), compared with 55.6 percent for the nation.
  • Larger firms were more likely than smaller firms to provide coverage: 67.5 percent of Kansas workers in firms with 1,000 or more workers had coverage in their own name, compared with 33.0 percent of workers in firms with fewer than 10 employees.
  • Kansas workers most likely to have employment-based health insurance coverage in their own name were those in manufacturing and in transportation, communications, and utilities, 74.8 percent each. Workers in agriculture/mining had the lowest uninsured rate in the state, 3.9 percent, followed by workers in finance, insurance, and real estate, 5.0 percent. Workers in construction and in wholesale/retail trade had the highest uninsured rates in the state, at 31.0 percent and 16.2 percent, respectively.
  • Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 83.1 percent, than part-time workers, 64.5 percent. They had a higher uninsured rate, 10.1 percent, than part-time workers, 5.3 percent. Among nonworkers, 57.8 percent had employment-based coverage, and 16.8 percent were uninsured.

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

Source: Employee Benefit Research Institute tabulations of data from the March 2000 Current Population Survey.

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