January 1998

Sources of Health Insurance and Characteristics of the Uninsured New England States, 1996

Maine

  • The percentage of Maine's nonelderly population (under age 65) without health insurance coverage was 14.0 percent. This is lower than the national rate of 17.7 percent. Maine's nonelderly population also has a higher rate of private coverage, 77.8 percent, than the national rate of 70.9 percent.
  • Children living in Maine -- infants through age 17 -- had a higher rate of employment-based health insurance coverage, 70.0 percent, than the national rate, 58.9 percent. The uninsured rate for children in Maine, 12.9 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, 30.0 percent. Children in families with incomes at 400 percent or more of the federal poverty level were least likely, 3.9 percent.
  • Maine workers had a slightly higher rate of employment-based health insurance coverage, 76.2 percent, than the nation, 72.3 percent. Also, 56.9 percent of Maine workers had employment-based health insurance coverage in their own name, compared with 55.2 percent for the nation.
  • Larger firms were more likely to provide coverage than smaller firms. Among Maine workers in firms with 1,000 or more workers, 72.1 percent had coverage in their own name, compared with 28.4 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, 76.5 percent, and finance, insurance, and real estate, 77.4 percent. Workers in finance, insurance, and real estate had the lowest uninsured rate in the state, 5.2 percent, followed by government workers at 7.0 percent. Workers in personal services and agriculture had the highest uninsured rates in the state, 28.3 percent and 23.8 percent, respectively.
  • Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 83.3 percent, than part-time workers, 64.3 percent. They had a lower uninsured rate, 11.4 percent, than part-time workers, 20.5 percent. Among nonworkers, 45.3 percent had employment-based coverage, and 14.0 percent were uninsured.

New Hampshire

  • The percentage of New Hampshire's nonelderly population without health insurance coverage, 10.9 percent, was lower than the national rate of 17.7 percent. New Hampshire's nonelderly population also had a higher rate of private coverage, 81.7 percent, than the national rate of 70.9 percent.
  • Children living in New Hampshire -- infants through age 17 -- had a higher rate of employment-based health insurance coverage, 70.4 percent, than the national rate, 58.9 percent. The uninsured rate for children in New Hampshire, 9.6 percent, was also 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 of poverty -- were the most likely to be uninsured, 34.7 percent. 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.
  • A slightly higher rate of New Hampshire workers had employment-based health insurance coverage, 79.7 percent, than the national rate of 72.3 percent. Also, 55.4 percent of New Hampshire 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 New Hampshire workers in firms with 1,000 or more workers, 70.0 percent had coverage in their own name, compared with 29.1 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 the wholesale trade, 91.4 percent, and in manufacturing, 72.9 percent. Workers in finance, insurance, and real estate had the lowest uninsured rate in the state, 3.9 percent, followed by those in transportation, communications, and utilities, 4.6 percent. Workers in construction and personal services had the highest uninsured rate in the state at 35.7 percent and 30.6 percent, respectively.
  • Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 87.9 percent, than part-time workers, 63.0 percent. They had a lower uninsured rate, 7.5 percent, than part-time workers, 16.7 percent. Among nonworkers, 52.3 percent had employment-based coverage, and 14.8 percent were uninsured.

Vermont

  • The percentage of Vermont's nonelderly population without health insurance coverage, 12.4 percent, was lower than the national rate, 17.7 percent. Vermont's nonelderly population also has a higher rate of private coverage, 75.3 percent, than the national rate, 70.9 percent.
  • Children living in Vermont -- infants through age 17 -- had a higher rate of employment-based health insurance coverage, 62.1 percent, than the national rate, 58.9 percent. The uninsured rate for children in Vermont, 6.0 percent, was below the national rate, 14.8 percent. Only Hawaii had a lower uninsured rate for children than Vermont, at 5.3 percent.
  • Children living in families with incomes below the federal poverty level were the most likely to be uninsured, 10.3 percent. Children in families with incomes at 150 percent to 199 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, 69.3 percent, than the nation, 72.3 percent. Also, 48.0 percent of Vermont workers had employment-based health insurance coverage in their own name, compared with 55.2 percent for the nation.
  • Larger firms were more likely to provide coverage than smaller firms. Among Vermont workers in firms with 1,000 or more workers, 68.7 percent had coverage in their own name, compared with 17.3 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, 74.3 percent, and manufacturing, 69.3 percent. Government workers had the lowest uninsured rate in the state, 6.7 percent, followed by workers in the professional services industry at 8.2 percent. The highest uninsured rates in the state were among workers in agriculture, 45.0 percent, and personal services, 28.1 percent.
  • Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 77.9 percent, than part-time workers, 59.7 percent. They had a lower uninsured rate, 12.0 percent than part-time workers, 13.5 percent. Among nonworkers, 46.5 percent had employment-based coverage, and 15.7 percent were uninsured.

Massachusetts

  • The percentage of Massachusetts' nonelderly population without health insurance coverage, 14.1 percent, was lower than the national rate, 17.7 percent. Massachusetts' nonelderly population also had a higher rate of private coverage, 75.8 percent, than the national rate, 70.9 percent.
  • Children living in Massachusetts -- infants through age 17 -- had a higher rate of employment-based health insurance coverage, 69.0 percent, than the national rate, 58.9 percent. The uninsured rate for children in Massachusetts, 9.2 percent, was below the national rate, 14.8 percent.
  • Children living in families with incomes of 150 percent to 199 percent of the federal poverty level were the most likely to be uninsured, 22.3 percent. Children in families with incomes of 400 percent or more of the federal poverty level were least likely to be uninsured, 3.4 percent.
  • Massachusetts workers had a slightly higher rate of employment-based health insurance coverage, 77.5 percent, than the nation, 72.3 percent. Also, 56.4 percent of Massachusetts 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 Massachusetts workers in firms with 1,000 or more workers, 68.0 percent had coverage in their own name, compared with 30.6 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 finance, insurance, and real estate, 69.9 percent, and manufacturing, 67.9 percent. Government workers had the lowest uninsured rate in the state, 5.5 percent, followed by workers in finance, insurance, and real estate, 8.7 percent. Workers in personal services and construction had the highest uninsured rate in the state at 36.5 percent and 27.6 percent, respectively.
  • Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 84.1 percent, than part-time workers, 67.5 percent. They had a lower uninsured rate, 12.0 percent, than part-time workers, 15.6 percent. Among nonworkers, 40.0 percent had employment-based coverage, and 22.3 percent were uninsured.

Rhode Island

  • The percentage of Rhode Island's nonelderly population without health insurance coverage, 12.0 percent, was lower than the national rate, 17.7 percent. Rhode Island's nonelderly population also had a higher rate of private coverage, 78.6 percent, than the national rate, 70.9 percent.
  • Children living in Rhode Island -- infants through age 17 -- had a higher rate of employment-based health insurance coverage, 70.8 percent, than the national rate, 58.9 percent. The uninsured rate for children in Rhode Island, 6.3 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, 15.9 percent. Children in families with incomes at 150 percent to 199 percent of the federal poverty level were least likely to be uninsured, less than 1 percent.
  • Rhode Island workers had a higher rate of employment-based health insurance coverage, 79.2 percent, than the nation, 72.3 percent. Also, 59.0 percent of Rhode Island 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 Rhode Island workers in firms with 1,000 or more workers, 68.0 percent had coverage in their own name, compared with 31.8 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 transportation, communications, and utilities, 81.8 percent, and government, 76.5 percent. Workers in professional services had the lowest uninsured rate in the state, 4.4 percent, followed by those in transportation, communications, and utilities, 7.8 percent. Workers in agriculture and those who were self-employed had the highest uninsured rate in the state, at 35.5 percent and 31.8 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, 67.1 percent. They had a lower uninsured rate, 10.7 percent, than part-time workers, 19.4 percent. Among nonworkers, 38.0 percent had employment-based coverage, and 17.3 percent were uninsured.

Connecticut

  • The percentage of Connecticut's nonelderly population without health insurance coverage, 12.5 percent, was lower than the national rate, 17.7 percent. Connecticut's nonelderly population also had a higher rate of private coverage, 77.1 percent, than the national rate, 70.9 percent.
  • Children living in Connecticut -- infants through age 17 -- had a higher rate of employment-based health insurance coverage, 63.4 percent, than the national rate, 58.9 percent. The uninsured rate for children in Connecticut, 11.6 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, 19.8 percent. Children in families with incomes at 400 percent or more of the federal poverty level were least likely to be uninsured, 4.3 percent.
  • Connecticut workers had a slightly higher rate of employment-based health insurance coverage, 81.3 percent, than the nation, 72.3 percent. Also, 55.9 percent of Connecticut 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 Connecticut workers in firms with 1,000 or more workers, 65.2 percent had coverage in their own name, compared with 33.3 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 government, 76.4 percent, and finance, insurance, and real estate, 76.3 percent. Workers in finance, insurance, and real estate also had the lowest uninsured rate in the state, less than 1 percent, followed by government workers at 2.4 percent. Workers in construction and business and repair services had the highest uninsured rates in the state, at 33.0 percent and 21.6 percent, respectively.
  • Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 87.9 percent, than part-time workers, 73.1 percent. They had a lower uninsured rate, 7.6 percent, than part-time workers, 10.1 percent. Among nonworkers, 45.6 percent had employment-based coverage, and 23.5 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 1997 Current Population Survey.

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