August 2000

 

Sources of Health Insurance and Characteristics of the Uninsured

Mountain States, 1998

Montana

  • The percentage of Montana's nonelderly population (under age 65) without health insurance coverage in 1998 was 22.0 percent. This was higher than the national rate of 18.4 percent. Montana's nonelderly population had a lower rate of employment-based coverage, 57.2 percent, than the national rate of 64.9 percent.
  • Children living in Montana--infants through age 17--had a lower rate of employment-based health insurance coverage, 54.5 percent, than the national rate, 60.2 percent. The uninsured rate for children in Montana, 19.9 percent, was higher the national rate, 15.4 percent.
  • Children living in families with incomes below the federal poverty level were the most likely to be uninsured, 30.1 percent, and children in families with incomes at 200-300 percent the federal poverty level were least likely to be uninsured, 13.9 percent.
  • Montana workers had a lower rate of employment-based health insurance coverage, 62.6 percent, than the national rate of 72.8 percent. Montana had the lowest rate of employment-based coverage for workers of any state. Also, 45.6 percent of Montana 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: 57.7 percent of Montana workers in firms with 1,000 or more workers had coverage in their own name, compared with 21.5 percent of workers in firms with fewer than 10 employees
  • Among Montana workers, the most likely to have employment-based health insurance in their own name were those in transportation, communications, and utilities, 73.9 percent, and in government, 71.0 percent. Workers in government had the lowest uninsured rate in the state, 5.5 percent, followed by transportation, communications, and utilities workers at 8.2 percent. Workers who were self-employed and wholesale/retail trade workers had the highest uninsured rates in the state, 35.1 percent and 34.2 percent, respectively.
  • Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 72.7 per-cent, than part-time workers, 45.7 percent. They had a lower uninsured rate, 17.4 percent, than part-time workers, 25.5 percent. Among nonworkers, 34.6 percent had employment-based coverage, and 33.5 percent were uninsured.

Idaho

  • The percentage of Idaho's nonelderly population (under age 65) without health insurance coverage in 1998 was 19.7 percent. This was higher than the national rate of 18.4 percent. Idaho's nonelderly population had a lower rate of employment-based coverage, 63.9 percent, than the national rate of 64.9 percent.
  • Children living in Idaho--infants through age 17--had a lower rate of employment-based health insurance coverage, 58.7 percent, than the national rate, 60.2 percent. The uninsured rate for children in Idaho, 17.6 per-cent, was also higher 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, 28.9 percent, and children in families with incomes at 400 percent or more of the federal poverty level were least likely to be uninsured, 6.4 percent.
  • Idaho workers had a lower rate of employment-based health insurance coverage, 69.3 percent, than the national rate of 72.8 percent. Also, 52.1 percent of Idaho 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: 66.4 percent of Idaho workers in firms with 1,000 or more workers had coverage in their own name, compared with 22.3 percent of workers in firms with fewer than 10 employees.
  • Among Idaho workers, the most likely to have employment-based health insurance in their own name were those in manufacturing, 77.3 percent, and in government, 75.8 percent. Workers in government had the lowest uninsured rate in the state, 4.3 percent, followed by those in transportation, communications, and utilities, 11.7 percent. Workers in agriculture/mining and those who were self-employed had the highest uninsured rates in the state at 50.2 percent and 29.2 percent, respectively.
  • Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 75.2 per-cent, than part-time workers, 60.3 percent. They had a lower uninsured rate, 16.2 percent, than part-time workers, 23.1 percent. Among nonworkers, 48.3 percent had employment-based coverage, and 28.7 percent were uninsured.

Wyoming

  • The percentage of Wyoming's nonelderly population (under age 65) without health insurance coverage in 1998 was 19.0 percent. This was higher than the national rate, 18.4 percent. Wyoming's nonelderly population had a slightly lower rate of employment-based coverage, 64.6 percent, than the national rate of 64.9 percent.
  • Children living in Wyoming--infants through age 17--had a higher rate of employment-based health insurance coverage, 63.7 percent, than the national rate of 60.2 percent. The uninsured rate for children in Wyoming, 16.4 percent, was above the national rate, 15.4 percent.
  • Children living in families with incomes below the federal poverty level were the most likely to be uninsured, 32.1 percent, and children in families with incomes at 400 percent or more of the federal poverty level were least likely to be uninsured, 7.7 percent.
  • Wyoming workers had a lower rate of employment-based health insurance coverage, 67.8 percent, than the national rate of 72.8 percent. Also, 48.8 percent of Wyoming 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: 64.2 percent of Wyoming workers in firms with 1,000 or more workers had coverage in their own name, compared with 22.1 percent of workers in firms with fewer than 10 employees.
  • Among Wyoming workers, the most likely to have employment-based health insurance in their own name were those in transportation, communications, and utilities, 86.1 percent, and in manufacturing, 74.7 percent. Government workers had the lowest uninsured rate in the state, 8.7 percent, followed by workers in transportation, communications, and utilities at 10.6 percent. The highest uninsured rates in the state were among workers in wholesale/retail trade, 29.6 percent, and in construction, 29.1 percent.
  • Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 77.2 per-cent, than part-time workers, 47.5 percent. They had a lower uninsured rate, 15.7 percent, than part-time workers, 26.6 percent. Among nonworkers, 49.1 percent had employment-based coverage, and 22.5 percent were uninsured.

Colorado

  • The percentage of Colorado's nonelderly population (under age 65) without health insurance coverage in 1998 was 16.5 percent. This was lower than the national rate of 18.3 percent. Colorado's nonelderly population also had a higher rate of employment-based coverage, 71.3 per-cent, than the national rate of 64.9 percent.
  • Children living in Colorado--infants through age 17--had a higher rate of employment-based health insurance coverage, 69.8 percent, than the national rate, 60.2 percent. The uninsured rate for children in Colorado, 12.5 percent, was lower than the national rate, 15.4 percent.
  • Children living in families with incomes below the federal poverty level were the most likely to be uninsured, 35.2 percent, and children in families with incomes of 100-149 percent of the federal poverty level were least likely to be uninsured, 4.8 percent.
  • Colorado workers had a higher rate of employment-based health insurance coverage, 76.0 percent, than the national rate of 72.8 percent. Also, 59.8 percent of Colorado 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: 69.6 percent of Colorado workers in firms with 1,000 or more workers had coverage in their own name, compared with 31.1 percent of those in firms with fewer than 10 employees.
  • Among Colorado workers, the most likely to have employment-based health insurance coverage in their own name were those in government, 79.4 percent, and in manufacturing, 78.0 percent. Government workers had the lowest uninsured rate in the state, 4.5 percent, followed by workers in transportation, communications, and utilities, 6.5 percent. Workers in construction and those who were self-employed had the highest uninsured rates in the state at 32.5 percent and 27.8 percent, respectively.
  • Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 80.5 per-cent, than part-time workers, 61.0 percent. They had a lower uninsured rate, 14.3 percent, than part-time workers, 23.6 percent. Among nonworkers, 42.5 percent had employment-based coverage, and 31.8 percent were uninsured.

New Mexico

  • The percentage of New Mexico's nonelderly population (under age 65) without health insurance coverage in 1998 was 24.0 percent. This was higher than the national rate of 18.4 percent. New Mexico's nonelderly population also had a lower rate of employment-based coverage, 57.9 percent, than the national rate, 64.9 percent.
  • Children living in New Mexico--infants through age 17--had a lower rate of employment-based health insurance coverage, 56.6 percent, than the national rate of 60.2 percent. The uninsured rate for children in New Mexico, 17.1 percent, was above 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, 20.6 percent, and children in families with incomes at 400 percent or more of the federal poverty level were least likely to be uninsured, 2.4 percent.
  • New Mexico workers had a lower rate of employment-based health insurance coverage, 65.5 percent, than the national rate of 72.8 percent. Also, 48.3 percent of New Mexico workers had employment-based health insurance coverage in their own name (meaning they were the primary beneficiaries), compared with 55.0 percent for the nation.
  • Larger firms were more likely than smaller firms to provide coverage: 67.0 percent of New Mexico's workers in firms with 1,000 or more workers had coverage in their own name, compared with 18.7 percent of workers in firms with fewer than 10 employees.
  • Among New Mexico workers, the most likely to have employment-based health insurance coverage in their own name were those in manufacturing, 69.5 percent, and in finance, insurance, and real estate, 64.8 percent. Workers in manufacturing had the lowest uninsured rate in the state, 14.6 percent, followed by those in government, 15.8 percent. Workers in construction and in agriculture/mining had the highest uninsured rates in the state, at 43.0 percent and 39.9 percent, respectively.
  • Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 73.8 per-cent, than part-time workers, 57.8 percent. They had a lower uninsured rate, 20.7 percent, than part-time workers, 28.1 percent. Among nonworkers, 33.3 percent had employment-based coverage, and 37.9 percent were uninsured.

Arizona

  • The percentage of Arizona's nonelderly population (under age 65) without health insurance coverage in 1998 was 27.2 percent. This was higher than the national rate of 18.4 percent. Arizona had the highest uninsured rate of any state. Arizona's nonelderly population had a lower rate of employment-based coverage, 56.3 percent, than the national rate of 64.9 percent. Arizona had the third-lowest rate of private health insurance coverage; California and the District of Columbia had lower rates
  • Children living in Arizona--infants through age 17--had a lower rate of employment-based health insurance coverage, 51.5 percent, than the national rate of 60.2 percent. The uninsured rate for children in Arizona, 26.3 percent, was above the national rate, 15.4 percent. Arizona had the highest uninsured rate for children of any state.
  • Children living in families with incomes below the federal poverty level were the most likely to be uninsured, 41.9 percent, and children in families with incomes at 400 percent or more of the federal poverty level were least likely to be uninsured, 6.4 percent.
  • Arizona workers had a lower rate of employment-based health insurance coverage, 63.8 percent, than the national rate of 72.8 percent. Arizona had the second-lowest rate of employment-based coverage for workers; Montana had a lower rate. Also, 51.6 percent Arizona 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: 66.6 percent of Arizona workers 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.
  • Arizona workers most likely to have employment-based health insurance coverage in their own name were those in manufacturing, 69.3 percent, and in government, 68.6 percent. Workers in government had the lowest uninsured rate in the state, 8.9 percent, followed by workers in finance, insurance, and real estate at 14.5 per-cent. Workers in agriculture/mining and in construction had the highest uninsured rates in the state, at 71.8 percent and 47.8 percent, respectively.
  • Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 69.9 per-cent, than part-time workers, 48.9 percent. They had a lower uninsured rate, 22.2 percent, than part-time workers, 25.7 percent. Among nonworkers, 38.7 percent had employment-based coverage and 36.0 percent were uninsured.

Utah

  • The percentage of Utah's nonelderly population (under age 65) without health insurance coverage in 1998 was 15.1 percent. This was lower than the national rate of 18.4 percent. Utah's nonelderly population had a higher rate of employment-based coverage, 70.3 percent, than the national rate of 64.9 percent.
  • Children living in Utah--infants through age 17--had a higher rate of employment-based health insurance coverage, 67.7 percent, than the national rate of 60.2 percent. The uninsured rate for children in Utah, 11.5 percent, was below the national rate, 15.4 percent.
  • Children living in families with incomes just above the federal poverty level were the most likely to be uninsured, 24.9 percent, and children in families with incomes at 400 percent or more of the federal poverty level were least likely to be uninsured, less than 1 percent.
  • Utah workers had a higher rate of employment-based health insurance coverage, 73.9 percent, than the national rate of 72.8 percent. Also, 49.9 percent of Utah 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: 63.4 percent of Utah workers in firms with 1,000 or more workers had coverage in their own name, compared with 23.3 percent of workers in firms with fewer than 10 employees.
  • Utah workers most likely to have employment-based health insurance coverage in their own name were those in government, 69.7 percent, and in transportation, communications, and utilities, 66.6 percent. Workers in government had the lowest uninsured rate in the state, 21.7 percent, followed by workers in finance, insurance, and real estate, 7.5 percent. Workers who were self-employed and construction workers had the highest uninsured rates in the state, at 29.2 percent and 26.7 percent, respectively.
  • Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 78.6 per-cent, than part-time workers, 66.0 percent. They had a lower uninsured rate, 14.4 percent, than part-time workers, 16.8 percent. Among nonworkers, 56.6 percent had employment-based coverage, and 20.9 percent were uninsured.

Nevada

The percentage of Nevada's nonelderly population (under age 65) without health insurance coverage in 1998 was 23.7 percent. This was higher than the national rate of 18.4 percent. Nevada's nonelderly population also had a higher rate of employment-based coverage, 67.2 percent, than the national rate of 64.9 percent.

Children living in Nevada--infants through age 17--had a higher rate of employment-based health insurance coverage, 65.8 percent, than the national rate of 60.2 percent. The uninsured rate for children in Nevada,
23.1 percent, was above the national rate of 15.4 percent. Nevada had the third-highest uninsured rate for children; Arizona and Texas had higher rates.

Children living in families with incomes below the federal poverty level were the most likely to be uninsured, 46.8 percent, and children in families with incomes at 400 percent or more of the federal poverty level were least likely to be uninsured, 12.5 percent.

Nevada workers had a slightly lower rate of employment-based health insurance coverage, 71.8 percent, than the national rate of 72.8 percent. Also, 60.1 percent of Nevada 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 to than smaller firms provide coverage: 74.2 percent of Nevada workers in firms with 1,000 or more workers had coverage in their own name, compared with 32.8 percent of workers in firms with fewer than 10 employees.

Nevada workers most likely to have employment-based health insurance coverage in their own name were those in government, 78.3 percent, and in manufacturing, 73.5 percent. Workers in government had the lowest uninsured in the state, 6.2 percent, followed by workers in manufacturing, 15.3 percent. Workers in construction had the highest uninsured rate in the state, 45.2 percent, followed by workers who were self-employed, 36.4 percent.

Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 75.6 per-cent, than part-time workers, 64.9 percent. They had a lower uninsured rate, 20.8 percent, than part-time workers, 29.4 percent. Among nonworkers, 50.1 percent had employment-based coverage, and 28.1 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 Census Bureau's March 1999 Current Population Survey.

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