September 1998

Sources of Health Insurance and Characteristics of the Uninsured

West Metropolitan Areas With 2 Million or More in Population Merged data years 1994, 1995, and 1996

Denver Consolidated Metropolitan Statistical Area (CMSA)

  • The percentage of the Denver CMSA's nonelderly population (under age 65) without health insurance coverage was 17.8 percent. This is slightly higher than the national rate of 17.7 percent. The Denver CMSA's nonelderly population also had a higher rate of private coverage, 76.7 percent, than the national rate of 70.9 percent.
  • Children living in the Denver CMSA -- infants through age 17 -- had a higher rate of employment-based health insurance coverage, 67.5 percent, than the national rate of 58.9 percent. The uninsured rate for children in the Denver CMSA, 17.4 percent, was above 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, 42.8 percent, and children in families with income at 400 percent or more of the federal poverty level were least likely, 3.7 percent.
  • Workers in the Denver CMSA had a higher rate of employment-based health insurance coverage, 75.3 percent, than the national rate of 72.3 percent. Also, 57.7 percent of workers in the Denver CMSA 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: 70.2 percent of workers in the Denver CMSA in firms with 1,000 or more workers had coverage in their own name, compared with 32.7 percent of workers in firms with fewer than 10 employees.
  • Among workers in the Denver CMSA, the most likely to have employment-based health insurance in their own name were those in transportation, communications, and utilities, 76.4 percent, and in finance, insurance, and real estate, 76.3 percent. Workers in government had the lowest uninsured rate in the CMSA, 5.0 percent, followed by those in finance, insurance, and real estate, 6.4 percent. Workers in construction and wholesale/retail trade had the highest uninsured rates in the CMSA, 23.3 percent and 21.5 percent, respectively.
  • Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 81.5 percent, than part-time workers, 65.2 percent. They had a lower uninsured rate, 11.9 percent, than part-time workers, 15.7 percent. Among nonworkers, 39.8 percent had employment-based coverage and 27.5 percent were uninsured.

Los Angeles Consolidated Metropolitan Statistical Area (CMSA)

  • The percentage of the Los Angeles CMSA's nonelderly population (under age 65) without health insurance coverage, 26.2 percent, was significantly higher than the national rate of 17.7 percent. Los Angeles CMSA's nonelderly population also had a lower rate of private coverage, 59.1 percent, than the national rate of 70.9 percent.
  • Children living in the Los Angeles CMSA -- infants through age 17 -- had a lower rate of employment-based health insurance coverage, 48.1 percent, than the national rate of 58.9 percent. The uninsured rate for children in the Los Angeles CMSA, 20.9 percent, was well above the national rate of 14.8 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, 33.9 percent. Children in families with incomes at 400 percent or more of the federal poverty level were least likely to be uninsured, 5.5 percent.
  • A lower rate of workers in the Los Angeles CMSA had employment-based health insurance coverage, 62.5 percent, than the national rate of 72.3 percent. Also, 49.2 percent of workers in the Los Angeles CMSA 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 workers in the Los Angeles CMSA in firms with 1,000 or more workers, 69.7 percent had coverage in their own name, compared with 18.6 percent of workers in firms with fewer than 10 employees.
  • Among workers in the Los Angeles CMSA, the most likely to have employment-based health insurance in their own name were those in government, 70.3 percent, and in finance, insurance, and real estate, 68.5 percent. Workers in finance, insurance, and real estate had the lowest uninsured rate in the CMSA, 11.3 percent, followed by those in government, 11.8 percent. Workers in construction and the self-employed had the highest uninsured rates in the CMSA at 43.1 percent and 35.0 percent, respectively.
  • Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 69.3 percent, than part-time workers, 49.8 percent. They had a lower uninsured rate, 23.8 percent, than part-time workers, 32.2 percent. Among nonworkers, 28.0 percent had employment-based coverage, and 35.4 percent were uninsured.

Phoenix Metropolitan Statistical Area (MSA)

  • The percentage of the Phoenix MSA's nonelderly population (under age 65) without health insurance coverage, 24.8 percent, was higher than the national rate of 17.7 percent. The Phoenix MSA's nonelderly population also had a lower rate of private coverage, 63.9 percent, than the national rate of 70.9 percent.
  • Children living in the Phoenix MSA -- infants through age 17 -- had a lower rate of employment-based health insurance coverage, 54.8 percent, than the national rate of 58.9 percent. The uninsured rate for children in the Phoenix MSA, 18.7 percent, was above the national rate, 14.8 percent.
  • Children living in families with incomes below the federal poverty level were the most likely to be uninsured, 36.3 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.
  • Workers in the Phoenix MSA had a lower rate of employment-based health insurance coverage, 67.4 percent, than the national rate, 72.3 percent. Also, 52.8 percent of workers in the Phoenix MSA 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 workers in the Phoenix MSA in firms with 1,000 or more workers, 68.6 percent had coverage in their own name, compared with 19.4 percent of workers in firms with fewer than 10 employees.
  • Among workers in the Phoenix MSA, the most likely to have employment-based health insurance in their own name were those in transportation, communications, and utilities, 74.1 percent, and in government, 72.9 percent. Government workers had the lowest uninsured rate in the MSA, 6.2 percent, followed by workers in finance, insurance, and real estate at 11.0 percent. The highest uninsured rates in the MSA were among workers in construction, 44.4 percent, and the self-employed, 29.4 percent.
  • Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 75.0 percent, than part-time workers, 60.8 percent. They had a lower uninsured rate, 18.0 percent, than part-time workers, 23.8 percent. Among nonworkers, 49.3 percent had employment-based coverage, and 26.7 were uninsured.

Portland Consolidated Metropolitan Statistical Area (CMSA)

  • The percentage of the Portland CMSA's nonelderly population (under age 65) without health insurance coverage, 12.1 percent, was lower than the national rate of 17.7 percent. The Portland CMSA's nonelderly population also had a higher rate of private coverage, 80.4 percent, than the national rate of 70.9 percent.
  • Children living in the Portland CMSA -- infants through age 17 -- had a significantly higher rate of employment-based health insurance coverage, 75.6 percent, than the national rate of 58.9 percent. The uninsured rate for children in the Portland CMSA, 9.8 percent, was lower than 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, 23.8 percent. Children in families with incomes of 400 percent or more of the federal poverty level were least likely to be uninsured, 1.7 percent.
  • Workers in the Portland CMSA had a higher rate of employment-based health insurance coverage, 75.9 percent, than the national rate, 72.3 percent. Also, 59.6 percent of workers in the Portland CMSA 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 workers in the Portland CMSA in firms with 1,000 or more workers, 72.3 percent had coverage in their own name, compared with 31.4 percent of those in firms with fewer than 10 employees.
  • Among workers in the Portland CMSA, the most likely to have employment-based health insurance coverage in their own name were those in transportation, communications, and utilities, 79.8 percent, and in government, 76.8 percent. Transportation, communications, and utilities workers had the lowest uninsured rate in the CMSA, 3.8 percent, followed by workers in government, 5.1 percent. Self-employed workers had the highest uninsured rate in the CMSA, 20.9 percent, followed by workers in construction, 20.2 percent.
  • Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 82.7 percent, than part-time workers, 69.0 percent. They had a lower uninsured rate, 10.3 percent, than part-time workers, 13.5 percent. Among nonworkers, 51.8 percent had employment-based coverage and 13.6 percent were uninsured.

San Diego Metropolitan Statistical Area (MSA)

  • The percentage of the San Diego MSA's nonelderly population (under age 65) without health insurance coverage, 27.2 percent, was higher than the national rate of 17.7 percent. The San Diego MSA's nonelderly population also had a significantly lower rate of private coverage, 58.7 percent, than the national rate of 70.9 percent.
  • Children living in the San Diego MSA -- infants through age 17 -- had a lower rate of employment-based health insurance coverage, 45.5 percent, than the national rate of 58.9 percent. The uninsured rate for children in the San Diego MSA, 18.5 percent, was above 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, 29.6 percent. Children in families with incomes of 400 percent or more of the federal poverty level were least likely to be uninsured, 8.9 percent.
  • Workers in the San Diego MSA had a lower rate of employment-based health insurance coverage, 59.5 percent, than the national rate of 72.3 percent. Also, 47.2 percent of workers in the San Diego MSA 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 workers in the San Diego MSA in firms with 1,000 or more workers, 65.5 percent had coverage in their own name, compared with 13.3 percent of those in firms with fewer than 10 employees.
  • Among workers in the San Diego MSA, the most likely to have employment-based health insurance coverage in their own name were those in government, 70.7 percent, and in transportation, communications, and utilities, 69.3 percent. Government workers had the lowest uninsured rate in the MSA, 5.5 percent, followed by transportation, communications, and utilities workers, 15.3 percent. Construction workers had the highest uninsured rate in the MSA, 44.7 percent, followed by workers in wholesale/retail trade at 38.8 percent.
  • Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 70.5 percent, than part-time workers, 38.4 percent. They had a lower uninsured rate, 21.4 percent, than part-time workers, 36.4 percent. Among nonworkers, 30.8 percent had employment-based coverage and 28.5 percent were uninsured.

San Francisco Consolidated Metropolitan Statistical Area (CMSA)

  • The percentage of the San Francisco CMSA's nonelderly population (under age 65) without health insurance coverage, 15.8 percent, was lower than the national rate of 17.7 percent. The San Francisco CMSA's nonelderly population also had a higher rate of private coverage, 78.0 percent, than the national rate of 70.9 percent.
  • Children living in the San Francisco CMSA -- infants through age 17 -- had a higher rate of employment-based health insurance coverage, 68.8 percent, than the national rate of 58.9 percent. The uninsured rate for children in the San Francisco CMSA, 10.7 percent, was 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 -- were the most likely to be uninsured, 29.0 percent. Children in families with incomes of 400 percent or more of the federal poverty level were least likely to be uninsured, 5.2 percent.
  • Workers in the San Francisco CMSA had a higher rate of employment-based health insurance coverage, 73.7 percent, than the national rate of 72.3 percent. Also, 58.1 percent of workers in the San Francisco CMSA 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 workers in San Francisco CMSA in firms with 1,000 or more workers, 73.9 percent had coverage in their own name, compared with 22.7 percent of those in firms with fewer than 10 employees.
  • Among workers in the San Francisco CMSA, the most likely to have employment-based health insurance coverage in their own name were those in transportation, communications, and utilities, 80.2 percent, and in manufacturing, 74.9 percent. Government workers had the lowest uninsured rate in the CMSA, 7.0 percent, followed by workers in finance, insurance, and real estate, 9.9 percent. Workers in construction had the highest uninsured rate in the CMSA, 28.9 percent, followed by workers in wholesale/retail trade, 21.5 percent.
  • Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 79.9 percent, than part-time workers, 54.1 percent. They had a lower uninsured rate, 12.5 percent, than part-time workers, 19.9 percent. Among nonworkers, 44.9 percent had employment-based coverage and 24.2 percent were uninsured.

Seattle Consolidated Metropolitan Statistical Area (CMSA)

  • The percentage of the Seattle CMSA's nonelderly population (under age 65) without health insurance coverage, 12.8 percent, was lower than the national rate of 17.7 percent. The Seattle CMSA's nonelderly population also had a higher rate of private coverage, 79.9 percent, than the national rate of 70.9 percent.
  • Children living in the Seattle CMSA -- infants through age 17 -- had a higher rate of employment-based health insurance coverage, 65.5 percent, than the national rate of 58.9 percent. The uninsured rate for children in the Seattle CMSA, 7.6 percent, was below the national rate of 14.8 percent.
  • Children living in families with incomes below the federal poverty level were the most likely to be uninsured, 28.8 percent. Children in families with incomes of 400 percent or more of the federal poverty level were least likely to be uninsured, 1.4 percent.
  • Workers in the Seattle CMSA had a higher rate of employment-based health insurance coverage, 73.7 percent, than the national rate of 72.3 percent. Also, 60.6 percent of workers in the Seattle CMSA 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 workers in Seattle CMSA in firms with 1,000 or more workers, 78.3 percent had coverage in their own name, compared with 27.4 percent of those in firms with fewer than 10 employees.
  • Among workers in the Seattle CMSA, the most likely to have employment-based health insurance coverage in their own name were those in manufacturing, 85.8 percent, and in government, 79.5 percent. Government workers had the lowest uninsured rate in the CMSA, 2.0 percent, followed by workers in finance, insurance, and real estate, 3.0 percent. Workers in wholesale/retail trade had the highest uninsured rate in the CMSA, 24.8 percent, followed by workers in transportation, communications, and utilities, 22.8 percent.
  • Among individuals ages 18-64, full-time workers had a higher rate of employment-based coverage, 81.6 percent, than part-time workers, 59.2 percent. They had a lower uninsured rate, 10.1 percent, than part-time workers, 18.6 percent. Among nonworkers, 43.3 percent had employment-based coverage and 14.8 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 March 1995, March 1996, and March 1997 Current Population Surveys.
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