February 2001

 

Sources of Health Insurance and Characteristics of the Uninsured

New England States, 1999

Maine

The percentage of Maine's nonelderly population (under age 65) without health insurance coverage in 1999 was 13.3 percent. This was lower than the national rate of 17.5 percent. Maine's nonelderly population also had a higher rate of employment-based coverage, 67.7 percent, than the national rate of 65.8 percent.

Children living in Maine--infants through age 17--had a higher rate of employment-based health insurance coverage, 62.9 percent, than the national rate, 61.5 percent. The uninsured rate for children in Maine, 6.7 percent in 1999, was below the national rate, 13.9 percent.

Children living in families with incomes at 150 percent to 199 percent of the federal poverty level were the most likely to be uninsured, 21.2 percent, and children in families with incomes at 400 percent or more of the federal poverty level were least likely, 2.4 percent.

Maine workers had the same rate of employment-based health insurance coverage, 73.3 percent, as the nation, 73.3 percent. Also, 51.1 percent of Maine 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: 73.7 percent of Maine workers in firms with 1,000 or more employees had coverage in their own name, compared with 22.9 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, 79.0 percent, and in transportation, communications, and utilities, 71.5 percent. Workers in transportation, communications, and utilities had the lowest uninsured rate in the state, less than 1 percent, followed by manufacturing workers at 3.1 percent. Construction workers and self-employed workers had the highest uninsured rates in the state, 30.8 percent and 30.3 percent, respectively.

Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 79.8 percent, than part-time workers, 59.4 percent. They had a lower uninsured rate, 13.0 percent, than part-time workers, 17.4 percent. Among nonworkers, 58.3 percent had employment-based coverage, and 10.5 percent were uninsured.

New Hampshire

The percentage of New Hampshire's nonelderly population (under age 65) without health insurance coverage in 1999 was 11.3 percent. This was lower than the national rate of 17.5 percent. New Hampshire's nonelderly population also had a higher rate of employment-based coverage, 75.6 percent, than the national rate of 65.8 percent.

Children living in New Hampshire--infants through age 17--had a higher rate of employment-based health insurance coverage, 75.3 percent, than the national rate, 61.5 percent. New Hampshire had the second-highest rate of employment-based health insurance coverage for children in the nation, behind Connecticut. The uninsured rate for children in New Hampshire, 5.9 percent in 1999, was also below the national rate of 13.9 percent. New Hampshire had the second lowest uninsured rate for children in the nation, behind Missouri.

Children living in families with incomes at 200 percent to 399 percent of the federal poverty level were the most likely to be uninsured, 9.3 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 higher rate of New Hampshire workers had employment-based health insurance coverage, 78.7 percent, than the national rate of 73.3 percent. Also, 54.0 percent of New Hampshire 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. Among New Hampshire workers in firms with 1,000 or more employees, 65.6 percent had coverage in their own name, compared with 36.8 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, 74.7 percent, and in manufacturing, 72.7 percent. Workers in finance, insurance, and real estate had the lowest uninsured rate in the state, 2.0 percent, followed by those in government, 6.3 percent. Workers in the wholesale/retail trade and in construction had the highest uninsured rates in the state at 23.1 percent and 18.7 percent, respectively.

Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 82.8 percent, than part-time workers, 78.1 percent. They had a higher uninsured rate, 13.2 percent, than part-time workers, 12.5 percent. Among nonworkers, 69.9 percent had employment-based coverage, and 7.9 percent were uninsured.

Vermont

The percentage of Vermont's nonelderly population (under age 65) without health insurance coverage in 1999 was 13.6 percent. This was lower than the national rate, 17.5 percent. Vermont's nonelderly population also had a lower rate of private employment-based coverage, 63.7 percent, than the national rate, 65.8 percent.

Children living in Vermont--infants through age 17--had a lower rate of employment-based health insurance coverage, 59.0 percent, than the national rate of 61.5 percent. The uninsured rate for children in Vermont, 8.0 percent in 1999, was below the national rate, 13.9 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, 15.4 percent. Children in families with incomes at 400 percent or more of the federal poverty level were least likely to be uninsured, 5.3 percent.

Vermont workers had a slightly lower rate of employment-based health insurance coverage, 69.4 percent, than the nation, 73.3 percent. Also, 50.5 percent of Vermont 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: Among Vermont workers in firms with 1,000 or more employees, 68.0 percent had coverage in their own name, compared with 25.8 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 finance, insurance, and real estate, 71.2 percent, and in government, 70.3 percent. Workers in government had the lowest uninsured rate in the state, 6.4 percent, followed by workers in finance, insurance, and real estate, 7.9 percent. The highest uninsured rates in the state were among workers in agriculture/mining, 36.5 percent, and in construction, 42.4 percent.

Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 77.2 percent, than part-time workers, 55.3 percent. They had a higher uninsured rate, 14.0 percent, than part-time workers, 12.2 percent. Among nonworkers, 52.7 percent had employment-based coverage, and 11.1 were uninsured.

Massachusetts

The percentage of Massachusetts' nonelderly population (under age 65) without health insurance coverage in 1999 was 11.8 percent. This was lower than the national rate, 17.5 percent. Massachusetts' nonelderly population also had a higher rate of employment-based coverage, 69.6 percent, than the national rate, 65.8 percent.

Children living in Massachusetts--infants through age 17--had a slightly lower rate of employment-based health insurance coverage, 61.4 percent, than the national rate, 61.5 percent. The uninsured rate for children in Massachusetts, 9.1 percent in 1999, was below the national rate, 13.9 percent.

Children living in families with incomes at 150 percent to 199 percent of the federal poverty level were the most likely to be uninsured, 21.3 percent. Children in families with incomes of 200 percent to 399 percent of the federal poverty level were least likely to be uninsured, 3.2 percent.

Massachusetts workers had a higher rate of employment-based health insurance coverage, 79.4 percent, than the nation, 73.3 percent. Also, 57.2 percent of Massachusetts 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. Among Massachusetts workers in firms with 1,000 or more employees, 66.9 percent had coverage in their own name, compared with 36.8 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 manufacturing, 74.3 percent, and in transportation, communications, and utilities, 71.5 percent. Government workers had the lowest uninsured rate in the state, 5.9 percent, followed by workers in transportation, communications, and utilities, 7.4 percent. Workers in agriculture/mining and self-employed workers had the highest uninsured rates in the state at 30.6 percent and 22.7 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, 73.5 percent. They had a higher uninsured rate, 11.6 percent, than part-time workers, 11.0 percent. Among nonworkers, 54.4 percent had employment-based coverage, and 10.8 percent were uninsured.

Rhode Island

The percentage of Rhode Island's nonelderly population (under age 65) without health insurance coverage in 1999 was 8.1 percent. This was lower than the national rate, 17.5 percent. Rhode Island had the lowest uninsured rate in the nation. Rhode Island's nonelderly population also had a higher rate of private coverage, 74.6 percent, than the national rate, 65.8 percent.

Children living in Rhode Island--infants through age 17--had a higher rate of employment-based health insurance coverage, 70.0 percent, than the national rate, 61.5 percent. The uninsured rate for children in Rhode Island, 6.9 percent in 1999, was below the national rate, 13.9 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, 40.1 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, 83.7 percent, than the nation, 73.3 percent. Rhode Island had the highest rate of employment-based coverage for workers in the nation. Also, 57.4 percent of Rhode Island 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. Among Rhode Island's workers in firms with 1,000 or more employees, 61.0 percent had coverage in their own name, compared with 35.5 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 government, 72.8 percent, and in transportation, communications, and utilities,
72.7 percent. Self-employed workers had the lowest uninsured rate in the state, 2.6 percent, followed by those in services, 3.8 percent. Workers in construction and in agriculture/mining had the highest uninsured rates in the state, at 23.3 percent and 20.6 percent, respectively.

Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 87.8 percent, than part-time workers, 75.7 percent. They had a lower uninsured rate, 7.1 percent, than part-time workers, 9.4 percent. Among nonworkers, 61.7 percent had employment-based coverage, and 8.1 percent were uninsured.

Connecticut

The percentage of Connecticut's nonelderly population (under age 65) without health insurance coverage in 1999 was 11.3 percent. This was lower than the national rate, 17.5 percent. Connecticut's nonelderly population also had a higher rate of employment-based coverage, 77.4 percent, than the national rate, 65.8 percent. Connecticut had the highest rate of employment-based coverage among the nonelderly in the nation.

Children living in Connecticut--infants through age 17--had a higher rate of employment-based health insurance coverage, 77.0 percent, than the national rate, 61.5 percent. Connecticut had the highest rate of employment-based coverage among children in the nation. The uninsured rate for children in Connecticut,
9.2 percent in 1999, 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, 33.4 percent. Children in families with incomes at 400 percent or more of the federal poverty level were least likely to be uninsured, 1.5 percent.

Connecticut workers had a higher rate of employment-based health insurance coverage, 82.2 percent, than the nation, 73.3 percent. Connecticut had the second-highest rate of employment-based coverage among workers in the nation, behind Rhode Island. Also, 59.0 percent of Connecticut 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. Among Connecticut workers in firms with 1,000 or more employees, 66.8 percent had coverage in their own name, compared with 40.3 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 manufacturing, 84.6 percent, and in government, 73.1 percent. Workers in government had the lowest uninsured in the state, 3.2 percent, followed by manufacturing workers at 3.6 percent. Workers in agriculture/mining and in construction had the highest uninsured rates in the state, at 39.9 percent and 24.2 percent, respectively.

Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 86.9 percent, than part-time workers, 68.6 percent. They had a lower uninsured rate, 8.1 percent, than part-time workers, 11.9 percent. Among nonworkers, 70.7 percent had employment-based coverage, and 12.0 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 2000 Current Population Survey.

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