Ask the Scholar

Document scope · 1 page
doc
Scholar
Ask about this object, its catalog metadata, its source description, or the page inventory. For page-specific OCR and visual context, open one of the page chats.

Scholar Source Context

Document identity
localId
702422
label
Health Care 1991 [3]
core
doc
dtoType
document
pageCount
1
Source metadata
Source extras
naId
702422
levelOfDescription
fileUnit
recordType
description
ocrSource
nara-archive
Single page context
seq
1
pageIndex
0
type
document
mediaId
983895c526cac94d
ocrText
Originally Processed With FOIA(s): FOIA Number: 1998-0004-F[2] S FOIA MARKER This is not a textual record. This is used as an administrative marker by the George Bush Presidential Library Staff. Record Group/Collection: George H.W. Bush Presidential Records Collection/Office of Origin: Chief of Staff, White House Office of Series: Sununu, John, Files Subseries: Issues Files OA/ID Number: 29160 Folder ID Number: 29160-003 Folder Title: Health Care 1991 [3] Stack: Row: Section: Shelf: Position: G 15 25 2 5 MEMORANDUM 6/21 TO: Governor Sununu FROM: Tom Scully Tan RE: Demographics of the Uninsured Attached is the material on the demographics of the uninsured that you requested at our Wednesday meeting. If you'd like any additional data I have quite a bit. The Uninsured -- Trends and Characteristics Thirty-one million Americans were uninsured in 1988 -- 13.0 percent of the population. -- There has been a modest reduction in the number of the uninsured between 1985 and 1988, in part reflecting the strength of the overall economy during this period. -- Most Americans (72 percent) had continuous coverage during a 28 month period, but 28 percent were uninsured for at least a month while nearly 19 percent were uninsured for a half-year or more. Most Americans (70 percent) receive insurance coverage as an employment-based fringe benefit directly or through a family member. -- Insurance coverage is directly related to wage levels. Forty-seven percent of workers earning $5 an hour or less are uninsured compared only 6 percent for workers earning $15 an hour or more. -- Coverage also varies with relation to labor force attachment. Part-time or part-year workers are much less likely to have coverage. Most of the uninsured (61 percent) have incomes below 200 percent of poverty. -- Because of Medicaid eligibility rules, comparatively few poor pregnant women, mothers, and children are uninsured, while 40 percent of other poor adults are without coverage. While the likelihood of being uninsured is greatest for young adults, 30 percent of the uninsured are between 35 and 64 years old and have significant health care needs. J-1 Betweem 1985 and 1988 Two Million Became Insured but 31 Million, or 1 in 7 Americans, Remained Uncovered Millions 40 20% 35 30 15% 25 J-2 20 10% 15 10 5% 5 0 0% 1985 1986 1987 1988 # of Uninsured % of Population ---- Unemployment Rate Source: SIPP, 4th quarter 1985-1988 Most Americans Have Continuous Coverage, But 28% Are Uninsured For A Month And Nearly 1 in 5 Are Uninsured 6+ Months (in a 28 month period) 80% 60% J-3 40% 20% 0% Always Insured Uninsured 1+ Months Uninsured 6+ Months Source: SIPP, 1986 Panel Most Americans Receive Health Insurance Coverage Through Employment Uninsured 13% CHAMPUS/VA 2.4% Medicaid 6.2% J-4 Medicare 11.1% Employment 68.4% Source of Insurance Coverage Source: SIPP, 4th Quarter 1988 Individuals With Weak Attachment To the Work Force Are More Likely To Be Uninsured Percent Uninsured 30% 25% 20% 15% 10% 5% 0% FT, All Year PT, All Year FT, Part YearPT, Part Year No Work <15 Years Work Force Attachment As Are Low-Wage Workers Percent Uninsured 50% 40% 30% 20% 10% 0% < $5.00 $5.00-$10.00 $10.00-$15,00 $15.00+ Hourly Wage Source: CPS data for 1988 J-5 7 But Over A Quarter Of The Uninsured Work Full-Time, All Year Part-Time, All Year 4% Full-Time, All Year 26% Full-Time, Part Year 17% Part-Time, Part Year 7% No Work, All Year Under Age 15 25% 21% Percent of Uninsured Source: CPS Date for 1988 J-6 Most Of The Uninsured Have Incomes a Below 200 Percent of Poverty Less Than Poverty 30% 100-199% 31% 400+% 12% 300-399% 200-299% 9% 17% Income as a Percent of Poverty And The Likelihood of Being Insured Is Directly Related To Income Percent Uninsured 35% 30% 25% 20% 15% 10% 5% 0% Below Poverty 100-199% 200-299% 300-399% 400+% Income As A Percent Of Poverty Source: CP8 data for 1988 J-7 Because Of Medicaid Rules, Fewer Poor Children, Mothers, and Pregnant Women Are Uninsured 80% 60% 39.6% 41.93% 40% 22.06% 18.6% 20% 15.2% 0% Children <6 Pregnant/Mothers Children 5+ Fathers Other Adults Poverty Population Medicaid Other Insurance Uninsured But Medicaid Covers Only Half Of The Poor and 10 Percent of the Near Poor 70% 60% 50% 40% 30% 20% 10% 0% Below Poverty 101-200% Poverty Type of Coverage Medicaid IIII Other Insurance Uninsured Source: TRIM2 using CPS data for 1988 J-8 Younger People Are More Likely To Be Uninsured Percent Uninsured 30% 25% 20% 15% 10% 5% 0% Under 18 18-24 25-34 35-64 65+ Age But 30 Percent Of The Uninsured Are Between 35 and 64 Years Old And Have Significant Health Care Needs 65+ 1% Under 18 35-64 26% 30% 18-24 19% 25-34 24% Source: CP8 date for 1988 J-9 United States General Accounting Office GAO Fact Sheet for the Chairman, Subcommittee on Health for Families and the Uninsured, Committee on Finance, U.S. Senate February 1991 HEALTH INSURANCE COVERAGE A Profile of the Uninsured in Selected States UNITED STATES GENERAL ACCOUNTING 5721 OFFICE GAO/HRD-91-31FS United States GAO General Accounting Office Washington, D.C. 20548 Human Resources Division B-241836 February 8, 1991 The Honorable Donald W. Riegle, Jr. Chairman, Subcommittee on Health for Families and the Uninsured Committee on Finance United States Senate Dear Mr. Chairman: This fact sheet responds to your request for profiles of individuals without health insurance.¹ It presents income, employment, age, marital status, and other characteristics of the uninsured populations in various states and the United States as a whole in 1988. We used the Bureau of the Census' March 1989 Current Population Survey for our analysis and selected states where the survey sample size was expected to be large enough to provide usable results. The 15 states we selected are Ala- bama, California, Florida, Georgia, Illinois, Louisiana, Michigan, New Jersey, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Texas, and Virginia. Background For most of the 1980s, estimates show that more than 30 million Ameri- cans were not covered by health insurance, one of the most important channels of access to our health care system. These estimates suggest that gaps remain in the health insurance coverage of our nation's citi- zens despite the almost total coverage of the elderly through Medicare, the expansions in Medicaid coverage, and the large percentage of the population with private insurance protection provided through employer- or union-sponsored health plans. Although employer- provided plans are the primary source of health insurance, most of the uninsured are employed. Results in Brief In 1988, about 32 million Americans (under age 65),2 or 15 percent of this population, did not have some form of health insurance coverage. Although uninsured rates varied among the states, the uninsured popu- lations in the 15 states we evaluated had many of the same demographic characteristics as the nationwide uninsured population. The uninsured 1 Health insurance coverage is based on individual self-reporting of health insurance status in 1988 from the Bureau of the Census' March 1989 Current Population Survey. ²Because about 99 percent of individuals 65 and older had Medicare or private insurance, we excluded this group from our study. Page 1 GAO/HRD-91-31FS A Profile of the Uninsured B-241836 tended to be concentrated among the lower income, minority, youth, unmarried, and less educated segments of the population. Of particular significance was that a large majority of the uninsured were employed. Part-time/part-year workers represented the highest percentage of uninsured workers in most of the states we examined. However, full-time workers also make up a substantial share of the uninsured population in most of these states. In terms of industry cate- gories, the uninsured rates for workers in service industries (such as wholesale and retail trade, real estate, and entertainment) for the most part, were higher than those in manufacturing industries (such as motor vehicles and textile and chemical products). Objectives, Scope, and We agreed to focus on identifying and comparing the characteristics of uninsured people in various states and the United States in 1988 using Methodology the Bureau of the Census' 1989 Current Population Survey. These data became available in early 1990 (see app. I for a description of the survey). The Census survey was not designed specifically to capture representa- tive samples of state uninsured populations. We selected states where the survey sample size was expected to be large enough to provide usable results. Even in some of the states we selected, large sampling errors for selected data items suggest that users of these data should exercise caution. About 65 percent of the nation's uninsúred population resided in the 15 selected states (see table II.1, p. 12). The sampling errors associated with estimates of uninsured populations stated at the 95-percent confidence level, are presented in appendix VIII. GAO's Analysis Uninsured Rates Varied While 15 percent of the U.S. population under age 65 was uninsured in Widely Among the States 1988, there was considerable variation in uninsured rates among the 50 in 1988 states and the District of Columbia. Uninsured rates among all the states ranged from 8 percent in Michigan and Rhode Island to 26 percent in New Mexico and Texas. The higher rates tended to occur in the West South Central section of the United States, and the lower in the upper Midwest and Northeast sections (see fig. II.1 and table II.2, pp. 13 and 14). Page 2 GAO/HRD-91-31FS A Profile of the Uninsured B-241836 Employment-Based Health In 1988, most of the population had health insurance that was provided Insurance Most Common through employers or unions. Variation in rates of health insurance cov- erage among states were associated with the level of employment-based insurance provided (see tables III.1-III.16, pp. 16-24). States with higher rates of employer-based private insurance coverage-like Illinois, Mich- igan, New Jersey, Ohio, and Pennsylvania-tended to have a lower pro- portion of their populations without health insurance. Coverage by the federally sponsored Medicaid program varied consider- ably in the 15 states. Nationally, about 7 percent of the under-age-65 population was covered by Medicaid, while the rate of coverage varied between 4 percent in New Jersey and 12 percent in Louisiana (see tables III.1-III.16, pp. 16-24). Uninsured Rates Higher in Generally, the percentages of uninsured workers in the service sector of Service and Other the economy and other industries (such as agriculture, mining, construc- Nonmanufacturing tion, public utilities, and transportation) continued to be higher than Industries those in the manufacturing sector. In 1988, the service and other indus- tries had a 15-percent and 21-percent uninsured rate, respectively, com- pared to an 11-percent rate for the manufacturing sector. In 12 of the 15 selected states,³ manufacturing had the lowest rates of the three major industry categories (see fig. IV.1 and table IV.1, pp. 25 and 26). Unin- sured rates varied considerably among individual industries within and between states. Income an Important People in families with low incomes are more likely to be without health Indicator of Insurance insurance. Nationally, 34 percent of persons in families with incomes Status below the poverty level were without health insurance (see fig. V.1, p. 28). Uninsured rates, however, varied widely among the states. Among the 15 selected states, the percentages of people in families with incomes below the poverty level that were uninsured ranged from 17 percent in New York to 58 percent in Texas. The uninsured rate for people in fami- lies below the poverty level exceeded 25 percent in 11 of the 15 states (see table V.1, p. 29). Most of the uninsured were in families with incomes less than twice the poverty level in the United States (see fig. V.2, p. 31). However, lack of health insurance coverage was not restricted to the low-income popula- tion. While more than half of uninsured workers in the United States 3In five of these states, the differences are statistically significant at the 95-percent confidence level. Page 3 GAO/HRD-91-31FS A Profile of the Uninsured B-241836 had less than $20,000 income in 1988, 46 percent of uninsured workers had incomes of $20,000 or more. Fifteen percent of uninsured workers had income of $40,000 or more (see fig. V.3 and table V.2, pp. 31 and 32). The Unemployed Have Unemployed people had the highest uninsured rate (50 percent) among Higher Uninsured Rates, the employment status groups of people aged 19-64 nationwide. In states with sufficient data to measure the uninsured rate by employ- but Most Uninsured Are ment status, the unemployed generally had the highest uninsured rates Employed ranging from 31 percent in Louisiana to 68 percent in Texas (see fig. VI.1 and table VI.1, pp. 34 and 35). However, attachment to the labor force is no guarantee of health insur- ance coverage. Many employed people also were without health insur- ance. In each of the 15 states, most of the uninsured were employed. Particularly hard hit were workers with part-time or part-year jobs. Workers with full-time jobs, however, were not immune to the problem. Over a third of all uninsured aged 19-64 had full-time jobs in 1988 (see fig. VI.2 and table VI.2, pp. 36 and 37). Young Adults, Minorities, The likelihood of being uninsured in the United States is greater among the Unmarried, and Less young adults, minorities, unmarried people, and those with less than a high school education. Likewise, in most of the 15 selected states the Educated More Likely to uninsured rates were highest for people who were aged 19-24, were Be Uninsured either black or Hispanic, were separated or divorced, and had no more than a grade school education (see tables VII.1-VII.5 and figs. VII.1- VII.5, pp. 38-48). Minorities make up a disproportionate segment of the uninsured. In 1988, 33 percent of Hispanics and 21 percent of blacks were uninsured compared to 12 percent of whites. In each of the 15 states, the unin- sured rates for blacks exceeded that for whites.⁴ In states that have a substantial Hispanic population (California and Texas), uninsured rates within the Hispanic population were the highest among the racial/ethnic groups. In California, for example, 35 percent of Hispanics were unin- sured compared to 13 percent of whites and 15 percent of blacks (see tables VII.2 and VII.3, pp. 41 and 43). ⁴In 9 of these states, the differences are statistically significant at the 95-percent confidence level. Page 4 GAO/HRD-91-31FS A Profile of the Uninsured B-241836 Although the uninsured rates for minorities are high, the white popula- tion still makes up the majority of the uninsured population. In fact, in 12 of the 15 states (all except California, Georgia, and Texas), more than half of the uninsured populations were white. As requested by your staff, we did not obtain agency comments on this fact sheet. We are sending copies of this report to the Secretary of Health and Human Services and the 15 states selected for analysis. We will also make copies available to others on request. If you or your staff have any questions concerning this fact sheet, please contact me on (202) 275-6195. Other major contributors are listed in appendix IX. Sincerely yours, Mark V. nadel Mark V. Nadel Associate Director for National and Public Health Issues Page 5 GAO/HRD-91-31FS A Profile of the Uninsured Contents 1 Letter 10 Appendix I Current Population Survey 12 Appendix II Uninsured Populations in the United States 16 Appendix III Health Insurance Coverage of Populations 25 Appendix IV Uninsured Rates for Workers by Industry Group 28 Appendix V Uninsured Rates by Income Status 34 Appendix VI Uninsured Rates by Employment Status 38 Appendix VII Uninsured Rates by Demographic Characteristics GAO/HRD-91-31FS A Profile of the Uninsure Page 6 Contents Appendix VIII 49 Sampling Errors of Percentages Appendix IX 58 Major Contributors to This Fact Sheet Tables Table II.1: Fifteen States With Highest Numbers and 12 Rates of Uninsured Under Age 65 (1988) Table II.2: Uninsured Populations by Region, Division, 14 and State (1988) Table III.1: Health Insurance Coverage of Individuals 16 Under Age 65 in the United States (1988) Table III.2: Health Insurance Coverage of Individuals 17 Under Age 65 in Alabama (1988) Table III.3: Health Insurance Coverage of Individuals 17 Under Age 65 in California (1988) Table III.4: Health Insurance Coverage of Individuals 18 Under Age 65 in Florida (1988) Table III.5: Health Insurance Coverage of Individuals 18 Under Age 65 in Georgia (1988) Table III.6: Health Insurance Coverage of Individuals 19 Under Age 65 in Illinois (1988) Table III.7: Health Insurance Coverage of Individuals 19 Under Age 65 in Louisiana (1988) Table III.8: Health Insurance Coverage of Individuals 20 Under Age 65 in Michigan (1988) Table III.9: Health Insurance Coverage of Individuals 20 Under Age 65 in New Jersey (1988) Table III.10: Health Insurance Coverage of Individuals 21 Under Age 65 in New York (1988) Table III.11: Health Insurance Coverage of Individuals 21 Under Age 65 in North Carolina (1988) Table III.12: Health Insurance Coverage of Individuals 22 Under Age 65 in Ohio (1988) Table III.13: Health Insurance Coverage of Individuals 22 Under Age 65 in Pennsylvania (1988) Table III.14: Health Insurance Coverage of Individuals 23 Under Age 65 in Tennessee (1988) Page 7 GAO/HRD-91-31FS A Profile of the Uninsured Contents Table III.15: Health Insurance Coverage of Individuals 23 Under Age 65 in Texas (1988) Table III.16: Health Insurance Coverage of Individuals 24 Under Age 65 in Virginia (1988) Table IV.1: Uninsured Rates in Most of the 15 States Are 26 Lower in Manufacturing Than in Service and Other Industries (1988) Table V.1: Low-Income Families Have Higher Uninsured 29 Rates in the 15 States (1988) Table V.2: Most Uninsured Workers in 15 States 32 Generally Had Incomes Less Than $20,000 per Year (1988) Table VI.1: The Unemployed and Part-Time/Part-Year 35 Workers Had Higher Uninsured Rates (1988) Table VI.2: The Majority of the Uninsured Aged 19-64 in 37 the 15 States Were Employed (1988) Table VII.1: The Likelihood of Being Uninsured in the 15 39 States Is Greater Among Those Aged 19-24 (1988) Table VII.2: The Likelihood of Being Uninsured in the 15 41 States Is Greater Among Minorities (1988) Table VII.3: Minorities Make Up a Disproportionately 43 Large Segment of the Uninsured Population in Most of the 15 States (1988) Table VII.4: The Likelihood of Being Uninsured in Most of 46 the 15 States Is Greater Among the Separated and Unmarried (1988) Table VII.5: The Likelihood of Being Uninsured in 15 48 States Is Greater Among Those With No More Than a Grade School Education (1988) Table VIII.1: Sampling Errors (Percentage Points) for 49 Table IV.1 Table VIII.2: Sampling Errors (Percentage Points) for 50 Table V.1 Table VIII.3: Sampling Errors (Percentage Points) for 51 Table V.2 Table VIII.4: Sampling Errors (Percentage Points) for 53 Table VI.1 Table VIII.5: Sampling Errors (Percentage Points) for 53 Table VI.2 Table VIII.6: Sampling Errors (Percentage Points) for 54 Table VII.1 Table VIII.7: Sampling Errors (Percentage Points) for 54 Table VII.2 GAO/HRD-91-31FS A Profile of the Uninsured Page 8 Contents Table VIII.8: Sampling Errors (Percentage Points) for 55 Table VII.3 Table VIII.9: Sampling Errors (Percentage Points) for 56 Table VII.4 Table VIII.10: Sampling Errors (Percentage Points) for 57 Table VII.5 Figures Figure II.1: Uninsured by Percentage of State Populations 13 (1988) Figure IV.1: Uninsured Rate in the United States Is Lower 25 in Manufacturing Than in Service and Other Industries (1988) Figure V.1: A High Percentage of Low-Income Families in 28 the United States Is Uninsured (1988) Figure V.2: Most Uninsured in the United States Have 31 Incomes Less Than Twice the Poverty Level (1988) Figure V.3: Most Uninsured Workers in the United States 31 Have Incomes Less Than $20,000 per Year (1988) Figure VI.1: Uninsured Rate Is Highest Among the 34 Unemployed in the United States (1988) Figure VI.2: Most Uninsured in the United States Aged 19- 36 64 Were Employed (1988) Figure VII.1: The Likelihood of Being Uninsured in the 38 United States Is Greatest Among Those Aged 19-24 (1988) Figure VII.2: The Likelihood of Being Uninsured in the 40 United States Is Greater Among Minorities (1988) Figure VII.3: Minorities Make Up a Disproportionately 42 Large Segment of the Uninsured Population in the United States (1988) Figure VII.4: The Likelihood of Being Uninsured in the 45 United States Is Greater Among the Separated and Unmarried (1988) Figure VII.5: The Likelihood of Being Uninsured in the 47 United States Is Greater Among Those With No More Than a Grade School Education (1988) Abbreviations CHAMPUS Civilian Health and Medical Program of the Uniformed Services CPS Current Population Survey Page 9 GAO/HRD-91-31FS A Profile of the Uninsured Appendix I Current Population Survey The Bureau of the Census' Current Population Survey (CPS) is the source of most official government statistics on employment and unemploy- ment. For the survey, households are scientifically selected on the basis of area of residence to represent the nation as a whole, individual states, and other specified areas. The sample used in the March 1989 survey consists of about 56,500 households. The universe is the civilian non- institutional population of the United States and members of the Armed Forces living with their families in civilian housing units or on a military base. A probability sample is used in selecting housing units. Each household is interviewed once a month for 4 consecutive months during a 1-year period, and again for the corresponding time period a year later. This technique enables Census to obtain month-to-month and year- to-year comparisons at reasonable cost. CPS also provides monthly labor force data, including supplemental data on work experience, income, noncash benefits, and migration. Compre- hensive information is collected on the employment status, occupation, and industry in which individuals work. Additional data are available on the number of weeks and hours per week worked by individuals and their total income. Although the main purpose of the survey is to collect data on the employment situation, the secondary purpose, also impor- tant, is to gather information on the demographic status of the popula- tion. This includes age, sex, race, marital status, educational attainment, and family structure. The results serve to update similar information collected through the decennial census. Government policymakers and legislators use the data as indicators of our nation's economic situation and to plan and evaluate many government programs. In addition, the survey provides current estimates of the economic status and activities of the nation's population. Because it is not possible to develop one or two overall figures (such as the number of unem- ployed) that would adequately describe the whole labor market, the survey is designed to provide a large amount of detailed and supplemen- tary data. Such data are made available to users of labor market infor- mation to meet various needs. The survey provides the only data available on the distribution of workers by number of hours worked for the population as a whole (as distinguished from aggregate or average hours for an industry). This permits separate analyses of part-time workers, workers on overtime, and other groups. Also, the survey is the only comprehensive, current source of information on the occupation of workers and the industries in Page 10 GAO/HRD-91-31FS A Profile of the Uninsured Appendix I Current Population Survey which they work. Information is available not only for people currently in the labor force, but also for those outside it. In March of every year, Census asks questions about health insurance coverage at any time during the previous year. Beginning in March 1988, Census implemented a major change in its health insurance ques- tions. In previous surveys, Census determined private health insurance coverage for dependents through questions focused on policyholders (e.g., who else was covered by this policy or plan?). Under its new proce- dures, Census supplemented these questions by focusing questions on overall health insurance coverage to better gain information about the health insurance status of each household member. According to Census, the decline in the estimate of the uninsured population can almost certainly be attributed to the questionnaire modifications on the March 1988 CPS. CPS was not designed to capture representative samples of state unin- sured populations that would enable users to make refined estimates of some characteristics of the uninsured. Because of the many variables we analyzed on the 15 states' uninsured population, users of this report should exercise caution when interpreting these data because sampling errors would vary depending on the sufficiency of the population base. Sampling errors for the data elements in this report were computed at the 95-percent confidence level (see app. VIII). Page 11 GAO/HRD-91-31FS A Profile of the Uninsured Appendix II Uninsured Populations in the United States This appendix shows the number and percentage of uninsured people by state, region, and division. Figure II.1 depicts rate groupings in different geographic areas of the United States. Table II.1 lists the 15 states with the highest numbers and rates of uninsured people. Table II.2 gives uninsured rates by state categorized by region and division. Table II.1: Fifteen States With Highest Numbers and Rates of Uninsured Under Number of Uninsured as a Age 65 (1988) uninsured percentage of State (thousands) state population Highest numbers of uninsured California 4,937 20 Texas 3,946 26 Florida 2,208 21 New York 1,855 12 Illinois 1,141 11 Georgia 993 18 Louisiana 963 25 Ohio 943 10 Pennsylvania 921 9 North Carolina 787 14 Alabama 675 19 Virginia 671 13 New Jersey 658 10 Michigan 646 8 Tennessee 644 15 Highest rates of uninsured New Mexico 351 26 Texas 3,946 26 Louisiana 963 25 Nevada 225 23 Oklahoma 621 23 Arkansas 467 22 Mississippi 491 22 Florida 2,208 21 Arizona 618 20 California 4,937 20 Alabama 675 19 District of Columbia 95 19 Alaska 84 19 Georgia 993 18 Kentucky 559 18 Page 12 GAO/HRD-91-31FS A Profile of the Uninsured Appendix II Uninsured Populations in the United States Figure II.1: Uninsured by Percentage of State Populations (1988) Below 10 percent From 10 thru 14 percent From 15 thru 19 percent (includes the District of Columbia) From 20 thru 24 percent From 25 thru 26 percent Page 13 GAO/HRD-91-31FS A Profile of the Uninsured Appendix II Uninsured Populations in the United States Table II.2: Uninsured Populations by Number of Uninsured as a Region, Division, and State (1988)a uninsured percentage of Region/division/state (thousands) state population Northeast Region New England: 282 10 Connecticut 112 11 Maine Massachusetts 485 9 120 12 New Hampshire 68 8 Rhode Island 57 12 Vermont Middle Atlantic: 658 10 New Jersey New York 1,855 12 921 9 Pennsylvania Midwest Region East North Central: Illinois 1,141 11 600 12 Indiana 646 8 Michigan 943 10 Ohio 388 9 Wisconsin West North Central: 211 9 lowa 215 10 Kansas 382 10 Minnesota 591 13 Missouri 161 12 Nebraska 60 10 North Dakota 91 15 South Dakota West Region Mountain: 618 20 Arizona Colorado 410 15 150 17 Idaho 116 17 Montana 225 23 Nevada New Mexico 351 26 196 13 Utah 63 15 Wyoming (continued) Page 14 GAO/HRD-91-31FS A Profile of the Uninsured Appendix II Uninsured Populations in the United States Number of Uninsured as a uninsured percentage of Region/division/state (thousands) state population Pacific: Alaska 84 19 California 4,937 20 Hawaii 103 11 Oregon 402 17 Washington 480 12 South Region East South Central: Alabama 675 19 Kentucky 559 18 Mississippi 491 22 Tennessee 644 15 West South Central: Arkansas 467 22 Louisiana 963 25 Oklahoma 621 23 Texas 3,946 26 South Atlantic: Delaware 60 10 District of Columbia 95 19 Florida 2,208 21 Georgia 993 18 Maryland 410 10 North Carolina 787 14 South Carolina 437 15 Virginia 671 13 West Virginia 255 16 The data include only people under age 65. Page 15 GAO/HRD-91-31FS A Profile of the Uninsured Appendix III Health Insurance Coverage of Populations This appendix contains information on the health insurance coverage of individuals under age 65 in the United States and 15 states. It shows the estimated numbers and percentages for uninsured people and also for individuals with health insurance coverage provided through private insurance and public programs, such as Medicaid and Medicare. Table III.1: Health Insurance Coverage of Individuals Under Age 65 in the United Number States (1988) Type of insurance (thousands) Percent Private Employer- or union-provided 141,769 66 Individual-provided 17,615 8 Public Medicaid 15,312 7 Medicare 2,400 1 CHAMPUS,ᵃ Veterans Affairs, Military Healthᵇ 5,163 2 Subtotal 182,259 84 No insurance coverage 32,405 15 Total 214,663ᶜ 100c The Civilian Health and Medical Program of the Uniformed Services (CHAMPUS) is operated by the Department of Defense. The program provides reimbursement for covered medical care rendered in civilian facilities to wives and children of active military personnel, retired military personnel and their dependents, and dependents of deceased personnel. Members of the Armed Forces and their dependents living in off-base housing or on-base military housing. °Figures do not add due to rounding. Page 16 GAO/HRD-91-31FS A Profile of the Uninsured Appendix III Health Insurance Coverage of Populations Table III.2: Health Insurance Coverage of Individuals Under Age 65 in Alabama Number (1988) Type of insurance (thousands) Percent Private Employer- or union-provided 2,203 63 Individual-provided 219 6 Public Medicaid 275 8 Medicare 59 2 CHAMPUS,ᵃ Veterans Affairs, Military Healthb 48 1 Subtotal 2,804 80 No insurance coverage. 675 19 Total 3,478° 100° ᵃCHAMPUS is operated by the Department of Defense. The program provides reimbursement for COV- ered medical care rendered in civilian facilities to wives and children of active military personnel, retired military personnel and their dependents, and dependents of deceased personnel. ᵇMembers of the Armed Forces and their dependents living in off-base housing or on-base military housing. °Figures do not add due to rounding. Table III.3: Health Insurance Coverage of Individuals Under Age 65 in California Number (1988) Type of insurance (thousands) Percent Private Employer- or union-provided 14,758 59 Individual-provided 1,904 8 Public Medicaid 2,429 10 Medicare 249 1 CHAMPUS,ᵃ Veterans Affairs, Military Healthᵇ 632 3 Subtotal 19,972 81 No insurance coverage 4,937 20 Total 24,910ᶜ 100° ᵃCHAMPUS is operated by the Department of Defense. The program provides reimbursement for cov- ered medical care rendered in civilian facilities to wives and children of active military personnel, retired military personnel and their dependents, and dependents of deceased personnel. ᵇMembers of the Armed Forces and their dependents living in off-base housing or on-base military housing. °Figures do not add due to rounding. Page 17 GAO/HRD-91-31FS A Profile of the Uninsured Appendix III Health Insurance Coverage of Populations Table III.4: Health Insurance Coverage of Number Individuals Under Age 65 in Florida (1988) Type of insurance (thousands) Percent Private 6,104 59 Employer- or union-provided 1,026 10 Individual-provided Public 538 5 Medicaid 135 1 Medicare CHAMPUS,ᵃ Veterans Affairs, Military Healthᵇ 408 4 8,211 79 Subtotal 2,208 21 No insurance coverage 10,420ᶜ 100 Total ᵃCHAMPUS is operated by the Department of Defense. The program provides reimbursement for cov- ered medical care rendered in civilian facilities to wives and children of active military personnel, retired military personnel and their dependents, and dependents of deceased personnel. Members of the Armed Forces and their dependents living in off-base housing or on-base military housing. °Figures do not add due to rounding. Table III.5: Health Insurance Coverage of Number Individuals Under Age 65 in Georgia (thousands) Percent (1988) Type of insurance Private Employer- or union-provided 3,527 63 451 8 Individual-provided Public 339 6 Medicaid 96 2 Medicare CHAMPUS,ᵃ Veterans Affairs, Military Healthᵇ 158 3 4,571 82 Subtotal 993 18 No insurance coverage 5,564 100 Total aCHAMPUS is operated by the Department of Defense. The program provides reimbursement for COV- ered medical care rendered in civilian facilities to wives and children of active military personnel, retired military personnel and their dependents, and dependents of deceased personnel. ᵇMembers of the Armed Forces and their dependents living in off-base housing or on-base military housing. Page 18 GAO/HRD-91-31FS A Profile of the Uninsured Appendix III Health Insurance Coverage of Populations Table III.6: Health Insurance Coverage of Individuals Under Age 65 in Illinois (1988) Number Type of insurance (thousands) Percent Private Employer- or union-provided 7,147 71 Individual-provided 773 8 Public Medicaid 831 8 Medicare 118 1 CHAMPUS,ᵃ Veterans Affairs, Military Healthᵇ 84 1 Subtotal 8,953 89 No insurance coverage 1,141 11 Total 10,094 100 ᵃCHAMPUS is operated by the Department of Defense. The program provides reimbursement for cov- ered medical care rendered in civilian facilities to wives and children of active military personnel, retired military personnel and their dependents, and dependents of deceased personnel. ᵇMembers of the Armed Forces and their dependents living in off-base housing or on-base military housing. Table III.7: Health Insurance Coverage of Individuals Under Age 65 in Louisiana Number (1988) Type of insurance (thousands) Percent Private Employer- or union-provided 1,938 50 Individual-provided 305 8 Public Medicaid 474 12 Medicare 48 1 CHAMPUS,ᵃ Veterans Affairs, Military Healthᵇ 118 3 Subtotal 2,883 74 No insurance coverage 963 25 Total 3,847° 100c "CHAMPUS is operated by the Department of Defense. The program provides reimbursement for cov- ered medical care rendered in civilian facilities to wives and children of active military personnel, retired military personnel and their dependents, and dependents of deceased personnel. ᵇMembers of the Armed Forces and their dependents living in off-base housing or on-base military housing. °Figures do not add due to rounding. Page 19 GAO/HRD-91-31FS A Profile of the Uninsured Appendix III Health Insurance Coverage of Populations Table III.8: Health Insurance Coverage of Number Individuals Under Age 65 in Michigan Type of insurance (thousands) Percent (1988) Private 5,952 73 Employer- or union-provided 627 8 Individual-provided Public 790 10 Medicaid 107 1 Medicare CHAMPUS,ᵃ Veterans Affairs, Military Healthᵇ 83 1 7,559 93 Subtotal 646 8 No insurance coverage 8,205 100c Total ᵃCHAMPUS is operated by the Department of Defense. The program provides reimbursement for cov- ered medical care rendered in civilian facilities to wives and children of active military personnel, retired military personnel and their dependents, and dependents of deceased personnel. Members of the Armed Forces and their dependents living in off-base housing or on-base military housing. °Figures do not add due to rounding. Table III.9: Health Insurance Coverage of Number Individuals Under Age 65 in New Jersey (thousands) Percent (1988) Type of insurance Private Employer- or union-provided 5,030 76 547 8 Individual-provided Public 292 4 Medicaid 58 1 Medicare CHAMPUS,ᵃ Veterans Affairs, Military Healthᵇ 48 1 5,975 90 Subtotal 658 10 No insurance coverage 6,633 100 Total °CHAMPUS is operated by the Department of Defense. The program provides reimbursement for cov- ered medical care rendered in civilian facilities to wives and children of active military personnel, retired military personnel and their dependents, and dependents of deceased personnel. ᵇMembers of the Armed Forces and their dependents living in off-base housing or on-base military housing. Page 20 GAO/HRD-91-31FS A Profile of the Uninsured Appendix III Health Insurance Coverage of Populations Table III. 10: Health Insurance Coverage of Individuals Under Age 65 in New York Number (1988) Type of insurance (thousands) Percent Private Employer- or union-provided 10,375 68 Individual-provided 1,059 7 Public Medicaid 1,656 11 Medicare 241 2 CHAMPUS,ᵃ Veterans Affairs, Military Healthᵇ 182 1 Subtotal 13,513 89 No insurance coverage 1,855 12 Total 15,367° 100c °CHAMPUS is operated by the Department of Defense. The program provides reimbursement for COV- ered medical care rendered in civilian facilities to wives and children of active military personnel, retired military personnel and their dependents, and dependents of deceased personnel. Members of the Armed Forces and their dependents living in off-base housing or on-base military housing. °Figures do not add due to rounding. Table III.11: Health Insurance Coverage of Individuals Under Age 65 in North Number Carolina (1988) Type of insurance (thousands) Percent Private Employer- or union-provided 3,819 69 Individual-provided 460 8 Public Medicaid 231 4 Medicare 91 2 CHAMPUS,ᵃ Veterans Affairs, Military Healthᵇ 188 3 Subtotal 4,789 86 No insurance coverage 787 14 Total 5,576 100 CHAMPUS is operated by the Department of Defense. The program provides reimbursement for cov- ered medical care rendered in civilian facilities to wives and children of active military personnel, retired military personnel and their dependents, and dependents of deceased personnel. ᵇMembers of the Armed Forces and their dependents living in off-base housing or on-base military housing. Page 21 GAO/HRD-91-31FS A Profile of the Uninsured Appendix III Health Insurance Coverage of Populations Table III.12: Health Insurance Coverage of Individuals Under Age 65 in Ohio (1988) Type of insurance Number (thousands) Private Percent Employer- or union-provided 7,130 73 Individual-provided 638 Public 7 Medicaid 817 Medicare 8 110 1 CHAMPUS,ᵃ Veterans Affairs, Military Healthᵇ 77 Subtotal 1 8,772 90 No insurance coverage 943 Total 10 9,717c 100c ᵃCHAMPUS is operated by the Department of Defense. The program provides reimbursement for military personnel and their dependents, and dependents of deceased personnel. ered medical care rendered in civilian facilities to wives and children of active military personnel, retired COV- Members housing. of the Armed Forces and their dependents living in off-base housing or on-base military °Figures do not add due to rounding. Table III.13: Health Insurance Coverage of Individuals Under Age 65 in Pennsylvania (1988) Type of insurance Number (thousands) Private Percent Employer- or union-provided 7,752 75 Individual-provided 793 Public 8 Medicaid 661 Medicare 6 132 1 CHAMPUS, Veterans Affairs, Military Healthᵇ 147 Subtotal 1 9,485 91 No insurance coverage 921 Total 9 10,405ᶜ 100 ᵃCHAMPUS is operated by the Department of Defense. The program provides reimbursement for military personnel and their dependents, and dependents of deceased personnel. ered medical care rendered in civilian facilities to wives and children of active military personnel, retired COV- Members housing. of the Armed Forces and their dependents living in off-base housing or on-base military °Figures do not add due to rounding. Page 22 GAO/HRD-91-31FS A Profile of the Uninsured Appendix III Health Insurance Coverage of Populations Table III.14: Health Insurance Coverage of Individuals Under Age 65 in Number Tennessee (1988) Type of insurance (thousands) Percent Private Employer- or union-provided 2,699 63 Individual-provided 405 9 Public Medicaid 422 10 Medicare 79 2 CHAMPUS, Veterans Affairs, Military Healthᵇ 53 1 Subtotal 3,658 85 No insurance coverage 644 15 Total 4,303° 100 ᵃCHAMPUS is operated by the Department of Defense. The program provides reimbursement for cov- ered medical care rendered in civilian facilities to wives and children of active military personnel, retired military personnel and their dependents, and dependents of deceased personnel. Members of the Armed Forces and their dependents living in off-base housing or on-base military housing. °Figures do not add due to rounding. Table III.15: Health Insurance Coverage of Individuals Under Age 65 in Texas Number (1988) Type of insurance (thousands) Percent Private Employer- or union-provided 8,668 57 Individual-provided 1,150 8 Public Medicaid 830 6 Medicare 106 1 CHAMPUS,ᵃ Veterans Affairs, Military Healthᵇ 520 3 Subtotal 11,274 75 No insurance coverage 3,946 26 Total 15,221° 100c ᵃCHAMPUS is operated by the Department of Defense. The program provides reimbursement for COV- ered medical care rendered in civilian facilities to wives and children of active military personnel, retired military personnel and their dependents, and dependents of deceased personnel. ᵇMembers of the Armed Forces and their dependents living in off-base housing or on-base military housing. °Figures do not add due to rounding. Page 23 GAO/HRD-91-31FS A Profile of the Uninsured Appendix III Health Insurance Coverage of Populations Table III.16: Health Insurance Coverage of Individuals Under Age 65 in Virginia Number (1988) Type of insurance (thousands) Percent Private Employer- or union-provided 3,545 67 Individual-provided 413 8 Public Medicaid 265 5 Medicare 64 1 CHAMPUS,ᵃ Veterans Affairs, Military Healthᵇ 355 7 Subtotal 4,642 88 No insurance coverage 671 13 Total 5,312° 100c CHAMPUS is operated by the Department of Defense. The program provides reimbursement for cov- ered medical care rendered in civilian facilities to wives and children of active military personnel, retired military personnel and their dependents, and dependents of deceased personnel. ᵇMembers of the Armed Forces and their dependents living in off-base housing or on-base military housing. °Figures do not add due to rounding. Page 24 GAO/HRD-91-31FS A Profile of the Uninsured ppendix IV Uninsured Rates for Workers by industry Group This appendix shows uninsured rates in employment sectors of the economy for the United States and 15 states. Individual industries are combined into three categories-manufacturing (e.g., durable and nondurable goods); services (e.g., wholesale and retail trade, insurance, real estate, entertainment, and recreation); and other (e.g., agriculture, fisheries, construction, and public utilities). Figure IV.1: Uninsured Rate in the United States Is Lower in Manufacturing Than in 30 Percent Uninsured Service and Other Industries (1988) 25 20 15 10 5 0 / Service ONIO Combined Industry Categories Notes: Based on individuals aged 19-64 who responded to industry-related questions. Manufacturing industries include durable goods (such as motor vehicles and equipment) and nondurable goods (such as textile and chemical products) industries. Service industries include wholesale trade; retail trade; finance, insurance, and real estate; business and repair services; personal services; entertainment and recreation services; professional and related ser- vices; and public administration. Other industries include agriculture, forestry, and fisheries; mining; construction; and transportation, communications, and other public utilities. Source: Bureau of the Census, CPS (Washington, D.C., 1988). Page 25 GAO/HRD-91-31FS A Profile of the Uninsured Appendix IV Uninsured Rates for Workers by Industry Group Table IV.1: Uninsured Rates in Most of the 15 States Are Lower in Employment figures in thousands Manufacturing Than in Service and Other Combined industry categories Industries (1988)* Manufacturingᵇ Servicesᶜ Otherd Total Alabama Employment 487 1,058 279 1,824 Percentage of workers uninsured 16 20 25 20 California Employment 2,519 9,109 2,217 13,845 Percentage of workers uninsured 19 20 24 20 Florida Employment 707 4,055 1,155 5,917 Percentage of workers uninsured 16 18 31 20 Georgia Employment 716 1,858 558 3,131ᵉ Percentage of workers uninsured 17 18 24 19 Illinois Employment 1,128 3,563 876 5,567 Percentage of workers uninsured 8 13 13 12 Louisiana Employment 199 1,240 392 1,832 Percentage of workers uninsured 24 22 34 25 Michigan Employment 1,105 2,790 559 4,454 Percentage of workers uninsured 6 10 14 9 New Jersey Employment 805 2,467 651 3,923 Percentage of workers uninsured 9 10 13 10 New York Employment 1,335 5,731 1,267 8,334ᵉ Percentage of workers uninsured 12 12 18 13 North Carolina Employment 927 1,849 533 3,309 Pércentage of workers uninsured 9 13 21 13 Ohio Employment 1,258 3,217 772 5,247 Percentage of workers uninsured 4 12 15 11 Pennsylvania Employment 1,225 3,697 894 5,815ᵉ Percentage of workers uninsured 6 10 10 9 (continued) Page 26 GAO/HRD-91-31FS A Profile of the Uninsured Appendix IV Uninsured Rates for Workers by Industry Group Combined industry categories Manufacturingᵇ Servicesᶜ Otherd Total Tennessee Employment 606 1,273 444 2,323 Percentage of workers uninsured 8 15 16 13 Texas Employment 1,191 5,136 1,648 7,976e Percentage of workers uninsured 18 23 33 24 Virginia Employment 425 2,042 507 2,974 Percentage of workers uninsured 13 11 22 13 United States Employment 22,543 76,471 20,475 119,489 Percentage of workers uninsured 11 15 21 15 The data are based on individuals aged 19-64 who responded to employment industry-related questions. Manufacturing includes durable goods (such as motor vehicles and equipment) and nondurable goods (such as textile and chemical products) industries. Service industries include wholesale trade; retail trade; finance, insurance, and real estate; business and repair services; personal services; entertainment and recreation services; professional and related services; and public administration. Other industries include agriculture, forestry, and fisheries; mining; construction; and transportation, communications, and other public utilities. eNumbers do not add to total due to rounding. Page 27 GAO/HRD-91-31FS A Profile of the Uninsured Appendix V Uninsured Rates by Income Status This appendix shows uninsured rates by income class for the United States and the 15 states. Income data are presented in terms of poverty status and income level. Figures V.1 and V.2 and table V.1 give unin- sured rates in relation to the ratio of family income to the federal pov- erty level. Some proposals to extend coverage to individuals are defined in terms of poverty level. For example, the Pepper Commission report on comprehensive health care recommends that public health care subsi- dies be available to families with incomes below two times the federal poverty level. Table V.2 provides another perspective showing the rela- tion between dollar income and health insurance status for the working population by full-time and part-time employment status. Figure V.1: A High Percentage of Low- Income Families in the United States Is 40 Percent Uninsured Uninsured (1988) 30 20 10 0 1.0-1.89 20 and Ratio of family Income to poverty level Note: Includes only people under age 65. Percentage of uninsured within poverty level ranges in the United States is shown in table V.1. Source: Bureau of the Census, CPS (Washington, D.C., 1988). Page 28 GAO/HRD-91-31FS A Profile of the Uninsured Appendix V Uninsured Rates by Income Status Table V.1: Low-Income Families Have Higher Uninsured Rates in the 15 States Numbers are in thousands unless otherwise noted (1988)* Ratio of family income to poverty level 1.0- 2.0 and Under 1.0 1.99 over Total Alabama Population in income class 675 834 1,969 3,478 Uninsured 306 238 131 675 Percent of income class uninsured 45 29 7 19 California Population in income class 3,498 4,419 16,992 24,910b Uninsured 1,235 1,569 2,133 4,937 Percent of income class uninsured 35 36 13 20 Florida Population in income class 1,433 1,979 7,009 10,420b Uninsured 678 715 814 2,208 Percent of income class uninsured 47 36 12 21 Georgia Population in income class 781 1,060 3,723 5,564 Uninsured 299 312 382 993 Percent of income class uninsured 38 30 10 18 Illinois Population in income class 1,293 1,496 7,306 10,094b Uninsured 344 357 440 1,141 Percent of income class uninsured 27 24 6 11 Louisiana Population in income class 883 872 2,092 3,847 Uninsured 327 353 283 963 Percent of income class uninsured 37 41 14 25 Michigan Population in income class 1,042 1,223 5,940 8,205 Uninsured 210 173 263 646 Percent of income class uninsured 20 14 4 8 New Jersey Population in income class 399 668 5,566 6,634b Uninsured 114 127 418 659 Percent of income class uninsured 28 19 8 10 New York Population in income class 2,127 2,143 11,097 15,367 Uninsured 358 470 1,027 1,855 Percent of income class uninsured 17 22 9 12 (continued) Page 29 GAO/HRD-91-31FS A Profile of the Uninsured Appendix V Uninsured Rates by Income Status Ratio of family income to poverty level 1.0- 2.0 and Under 1.0 1.99 over Total North Carolina Population in income class 651 1,109 3,816 5,576 Uninsured 226 247 314 787 Percent of income class uninsured 35 22 8 14 Ohio Population in income class 1,251 1,675 6,791 9,717 Uninsured 251 324 368 943 Percent of income class uninsured 20 19 5 10 Pennsylvania Population in income class 1,060 1,717 7,627 10,405b Uninsured 229 269 423 921 Percent of income class uninsured 22 16 6 9 Tennessee Population in income class 774 921 2,608 4,303 Uninsured 214 283 147 644 Percent of income class uninsured 28 31 6 15 Texas Population in income class 2,755 3,020 9,446 15,221 Uninsured 1,589 1,258 1,100 3,946 Percent of income class uninsured 58 42 12 26 Virginia Population in income class 573 697 4,042 5,312 Uninsured 191 175 306 671 Percent of income class uninsured 33 25 8 13 United States Population in income class 28,419 37,240 149,004 214,663 Uninsured 9,658 10,133 12,614 32,405 Percent of income class uninsured 34 27 9 15 The data include only people under age 65. ᵇNumbers do not add to total due to rounding. Page 30 GAO/HRD-91-31FS A Profile of the Uninsured Appendix V Uninsured Rates by Income Status Figure V.2: Most Uninsured in the United States Have Incomes Less Than Twice 2.0 and over the Poverty Level (1988) 30% Under 1.0 39% 31% 1.0 1.99 Note: Includes only people under age 65. This chart shows the percentage distribution of the uninsured in poverty level ranges. Income is shown above as a multiple of the poverty level. Table V.1 shows the distribution of uninsured workers in numbers. Source: Bureau of the Census, CPS (Washington, D.C., 1988). Figure V.3: Most Uninsured Workers in the United States Have Incomes Less $40,000 and over Than $20,000 per Year (1988) 15% 54% $1 19,999 31% $20,000 - 39,999 Note: Includes only people aged 19-64. Percentage of uninsured workers in income ranges in the United States is shown in table V.2. Source: Bureau of the Census, CPS (Washington, D.C., 1988). Page 31 GAO/HRD-91-31FS A Profile of the Uninsured Appendix V Uninsured Rates by Income Status Table V.2: Most Uninsured Workers in 15 States Generally Had Incomes Less Percent of uninsured workers in personal income Than $20,000 per Year (1988)* ranges $1- $10,000- $20,000- $30,000- $40,000 9,999 19,999 29,999 39,999 and over Totalb Alabama Full-time/full-year 1 13 8 8 5 35 Part-time/part-year 33 22 7 3 0 66 Totalb 34 36 15 11 5 100 California Full-time/full-year 3 12 13 11 13 52 Part-time/part-year 21 14 6 4 4 49 Totalb 23 27 19 14 17 100 Florida Full-time/full-year 3 11 15 10 12 51 Part-time/part-year 22 17 6 3 2 49 Totalb 25 28 21 12 14 100 Georgia Full-time/full-year 4 16 11 8 9 46 Part-time/part-year 25 16 6 3 4 54 Totalb 29 32 16 11 13 100 Illinois Full-time/full-year 2 14 14 7 10 47 Part-time/part-year 20 19 6 4 4 53 Totalb 23 33 20 11 14 100 Louisiana Full-time/full-year 1 9 13 7 9 39 Part-time/part-year 32 15 8 3 3 61 Totalb 34 24 21 10 12 100 Michigan Full-time/full-year 2 10 12 7 14 45 Part-time/part-year 27 13 8 2 5 55 Totalb 29 23 20 9 18 100 New Jersey Full-time/full-year 1 12 13 11 18 55 Part-time/part-year 12 17 8 3 5 45 Totalb 13 29 21 14 24 100 New York Full-time/full-year 3 8 14 10 20 55 Part-time/part-year 14 16 7 4 5 45 Totalb 17 24 21 13 25 100 (continued) Page 32 GAO/HRD-91-31FS A Profile of the Uninsured Appendix V Uninsured Rates by Income Status Percent of uninsured workers in personal income ranges $1- $10,000- $20,000- $30,000- $40,000 9,999 19,999 29,999 39,999 and over Totalb North Carolina Full-time/full-year 3 11 15 7 10 46 Part-time/part-year 27 14 7 4 3 54 Totalb 29 25 22 11 13 100 Ohio 2 10 9 5 9 34 Full-time/full-year Part-time/part-year 27 21 9 5 5 66 Totalb 29 30 18 10 13 100 Pennsylvania Full-time/full-year 4 8 13 10 10 45 Part-time/part-year 27 15 7 2 5 55 Totalb 31 23 20 12 15 100 Tennessee Full-time/full-year 2 20 12 2 9 44 Part-time/part-year 21 19 9 3 4 56 Totalb 23 39 20 5 12 100 Texas Full-time/full-year 3 13 14 6 9 45 Part-time/part-year 26 16 7 3 2 55 Totalb 29 30 21 9 12 100 Virginia Full-time/full-year 1 9 15 11 15 51 Part-time/part-year 23 12 10 2 2 49 Totalb 24 21 25 14 17 100 United States Full-time/full-year 3 11 13 8 11 46 Part-time/part-year 24 17 7 3 3 54 Totalb 26 28 20 11 15 100 The data include workers aged 19-64. Numbers may not add to total due to rounding. Page 33 GAO/HRD-91-31FS A Profile of the Uninsured Appendix VI Uninsured Rates by Employment Status This appendix shows uninsured rates for the United States and 15 states by employment status groups-full-time/full-year, part-time/part-year, unemployed, and not in the work force. Also shown are uninsured rates within employed populations. Table VI.1 shows uninsured rates for the population aged 19-64 by employment status, while table VI.2 shows the distribution of the uninsured population across the employment status groups. Figure VI.1: Uninsured Rate Is Highest Among the Unemployed in the United 60 Percent Uninsured States (1988) 50 40 30 20 10 0 1 NOTA S If Employment status Note: The data include only people aged 19-64. Source: Bureau of the Census, CPS (Washington, D.C., 1988). Page 34 GAO/HRD-91-31FS A Profile of the Uninsured Appendix VI Uninsured Rates by Employment Status Table VI.1: The Unemployed and Part- Time/Part-Year Workers Had Higher Percentage of uninsured population within employment Uninsured Rates (1988)* status group Full-time/ Part-time/ Not in work State full-year part-year Unemployed force Alabama 11 36 b 22 California 16 28 60 23 Florida 15 29 b 25 Georgia 13 32 b 17 Illinois 8 19 34 15 Louisiana 17 37 31 25 Michigan 7 14 b 9 New Jersey 8 16 b 13 New York 10 19 56 13 North Carolina 9 23 b 18 Ohio 6 19 35 11 Pennsylvania 6 15 46 12 Tennessee 10 20 b 22 Texas 17 36 68 30 Virginia 9 21 b 13 United States 11 24 50 18 The data include only people aged 19-64. ᵇThe population base is too small to estimate a useful percent of uninsured. Page 35 GAO/HRD-91-31FS A Profile of the Uninsured Appendix VI Uninsured Rates by Employment Status Figure VI.2: Most Uninsured in the United States Aged 19-64 Were Employed (1988) 3% Unemployed Not in work force 19% 36% Full-time 42% Part-time Source: Bureau of the Census, CPS (Washington, D.C., 1988). Page 36 GAO/HRD-91-31FS A Profile of the Uninsured Appendix VI Uninsured Rates by Employment Status Table VI.2: The Majority of the Uninsured Aged 19-64 in the 15 States Were Percentage of uninsured population by employment Employed (1988) status group Full-time/ Part-time/ Not in work State full-year part-year Unemployed force Total Alabama 27 50 2 22 100ª California 41 38 2 20 100ª Florida 39 38 2 21 100 Georgia 40 44 1 15 100 Illinois 36 39 4 21 100 Louisiana 29 44 5 22 100 Michigan 35 43 4 18 100 New Jersey 43 34 4 19 100 New York 41 33 3 22 100ᵃ North Carolina 37 43 2 19 100ª Ohio 26 52 4 18 100 Pennsylvania 33 39 5 23 100 Tennessee 29 38 7 26 100 Texas 35 43 3 20 100ª Virginia 40 38 7 16 100ª United States 36 42 3 19 100 ᵃNumbers may not add to total due to rounding. Page 37 GAO/HRD-91-31FS A Profile of the Uninsured Appendix VII Uninsured Rates by Demographic Characteristics This appendix contains uninsured rates by certain demographic charac- teristics and highlights the type of individuals that are most likely to be uninsured. The characteristics included are age, race and ethnic origin, education, and marital status. Figure VII.1: The Likelihood of Being Uninsured in the United States Is 30 Percent Uninsured Greatest Among Those Aged 19-24 (1988) 20 10 0 18 and 19-24 25-34 35-44 45-54 55-64 younger Ranges of ages in years Note: Percentage of uninsured within age groups in the United States is shown in table VII.1 Source: Bureau of the Census, CPS (Washington, D.C., 1988). Page 38 GAO/HRD-91-31FS A Profile of the Uninsured Appendix VII Uninsured Rates by Demographic Characteristics Table VII.1: The Likelihood of Being Uninsured in the 15 States Is Greater Percentage of uninsured within age group Among Those Aged 19-24 (1988) 18 and State younger 19-24 25-34 35-44 45-54 55-64 Alabama 18 31 25 17 11 15 California 17 35 23 16 16 15 Florida 22 28 26 17 17 16 Georgia 16 30 20 18 11 13 Illinois 9 20 16 9 7 10 Louisiana 25 29 31 27 19 16 Michigan 4 18 11 6 8 6 New Jersey 7 20 13 8 8 8 New York 9 20 16 11 11 9 North Carolina 14 23 15 12 10 11 Ohio 7 20 13 8 7 8 Pennsylvania 7 18 10 8 9 8 Tennessee 13 19 21 14 14 10 Texas 27 37 29 22 18 16 Virginia 11 21 14 11 14 9 United States 13 25 18 13 12 11 Page 39 GAO/HRD-91-31FS A Profile of the Uninsured Appendix VII Uninsured Rates by Demographic Characteristics Figure VII.2: The Likelihood of Being Uninsured in the United States Is Greater 40 Percent Uninsured Among Minorities (1988) 30 20 10 0 MAINE Black Oller Note: Includes only people under age 65. Percentage of uninsured within racial/ethnic groups in the United States is shown in table VII.2. Source: Bureau of the Census, CPS (Washington, D.C., 1988). Page 40 GAO/HRD-91-31FS A Profile of the Uninsured Appendix VII Uninsured Rates by Demographic Characteristics Table VII.2: The Likelihood of Being Uninsured in the 15 States Is Greater Percentage of uninsured within racial/ Among Minorities (1988)* ethnic groups State White Black Hispanic Alabama 16 28 b California 13 15 35 Florida 16 28 39 Georgia 12 28 b Illinois 9 17 22 Louisiana 21 34 b Michigan 7 13 10 New Jersey 8 14 24 New York 9 18 21 North Carolina 11 23 b Ohio 9 11 17 Pennsylvania 8 14 6 Tennessee 14 17 b Texas 16 27 47 Virginia 10 23 15 United States 12 21 33 The data include only people under age 65. ᵇThe population base is too small to estimate a useful percent of uninsured. Page 41 GAO/HRD-91-31FS A Profile of the Uninsured Appendix VII Uninsured Rates by Demographic Characteristics Figure VII.3: Minorities Make Up a Disproportionately Large Segment of the Percent Uninsured Population in the United 100 States (1988) 90 80 70 60 50 40 30 20 10 0 United I UNITED III White Black Hispanic $ Other Note: Includes only people under age 65. Percentage of the United States population as a whole and the population uninsured are shown in table VII.3. Source: Bureau of the Census, CPS (Washington, D.C., 1988). Page 42 GAO/HRD-91-31FS A Profile of the Uninsured Appendix VII Uninsured Rates by Demographic Characteristics Table VII.3: Minorities Make Up a Disproportionately Large Segment of the Distribution of populations by racial/ethnic group Uninsured Population in Most of the 15 State White Black Hispanic Other Total States (1988)* Alabama Population 71 28 b b 100c Uninsured 59 41 b b 100 California Population 57 7 26 10 100 Uninsured 38 6 46 10 100 Florida Population 67 18 13 2 100 Uninsured 50 24 24 2 100 Georgia Population 61 37 1 1 100 Uninsured 40 57 2 1 100 Illinois Population 74 15 8 3 100 Uninsured 58 22 16 4 100 Louisiana Population 65 33 2 1 100c Uninsured 54 44 2 b 100 Michigan Population 82 15 1 2 100 Uninsured 73 25 2 1 100c New Jersey Population 75 12 9 4 100 Uninsured 57 17 22 5 100c New York Population 70 14 12 4 100 Uninsured 51 21 21 7 100 North Carolina Population 76 21 1 2 100 Uninsured 61 35 1 2 100c Ohio Population 87 12 1 1 100° Uninsured 84 13 2 b 100c Pennsylvania Population 88 9 2 2 100c Uninsured 81 13 1 5 100 Tennessee Population 80 19 b 1 100 Uninsured 77 21 b 2 100 (continued) Page 43 GAO/HRD-91-31FS A Profile of the Uninsured Appendix VII Uninsured Rates by Demographic Characteristics Distribution of populations by racial/ethnic group State White Black Hispanic Other Total Texas Population 59 13 27 2 100c Uninsured 37 13 49 1 100 Virginia 76 19 2 3 100 Population Uninsured 59 35 2 4 100 United States Population 75 13 9 4 100c Uninsured 58 18 20 5 100c The data include only people under age 65. ᵇLess than 1 percent of the uninsured in the state are represented by this racial/ethnic group. °Numbers do not add due to rounding. Page 44 GAO/HRD-91-31FS A Profile of the Uninsured Appendix VII Uninsured Rates by Demographic Characteristics Figure VII.4: The Likelihood of Being Uninsured in the United States Is Greater 30 Percent Uninsured Among the Separated and Unmarried (1988) 20 10 0 I // Note: Includes only people under age 65. The Bureau of the Census classifies individuals' marital status according to four major categories: married, widowed, divorced, and never married. Married persons reported as "separated" include those:with legal separations, those living apart with intentions of obtaining a divorce, and other persons permanently or temporarily estranged from their spouses because of marital discord. Percentage of uninsured within marital status groups in the United States is shown in table VII.4. Source: Bureau of the Census, CPS (Washington, D.C., 1988). Page 45 GAO/HRD-91-31FS A Profile of the Uninsured Appendix VII Uninsured Rates by Demographic Characteristics Table VII.4: The Likelihood of Being Uninsured in Most of the 15 States Is Percentage of uninsured within marital status group Greater Among the Separated and Married Unmarried (1988)* (excluding Divorced or Never State separated) Widowed separated married 15 b Alabama 33 21 California 16 33 21 22 Florida 16 26 27 24 Georgia 13 29 28 20 Illinois 6 22 24 14 Louisiana 19 22 43 27 Michigan 5 11 14 9 New Jersey 5 15 17 13 New York 9 16 20 14 North Carolina 9 26 20 17 Ohio 6 18 19 12 Pennsylvania 6 12 18 10 Tennessee 12 6 23 17 Texas 21 32 33 29 Virginia 7 21 23 16 United States 11 20 24 17 The data include only people under age 65. ᵇThe population base is too small to estimate a useful percent of uninsured. Page 46 GAO/HRD-91-31FS A Profile of the Uninsured Appendix VII Uninsured Rates by Demographic Characteristics Figure VII.5: The Likelihood of Being Uninsured in the United States Is Greater 40 Percent Uninsured Among Those With No More Than a Grade School Education (1988) 30 20 10 0 Grade High College school school Note: Includes only people under age 65. Percentage of uninsured within educational levels in the United States is shown in table VII.5. Source: Bureau of the Census, CPS (Washington, D.C., 1988). Page 47 GAO/HRD-91-31FS A Profile of the Uninsured Appendix VII Uninsured Rates by Demographic Characteristics Table VII.5: The Likelihood of Being Uninsured in 15 States Is Greater Among Percentage of uninsured within educational Those With No More Than a Grade status group School Education (1988)* Grade High State school school College Alabama 31 22 12 California 49 22 13 Florida 40 25 13 Georgia 27 22 11 Illinois 28 13 9 Louisiana 33 31 14 Michigan 18 11 5 New Jersey 24 13 7 New York 20 15 10 North Carolina 22 17 9 Ohio 13 12 8 Pennsylvania 18 11 7 Tennessee 26 15 12 Texas 54 29 13 Virginia 31 18 5 United States 32 18 10 The data include only people under age 65. Page 48 GAO/HRD-91-31FS A Profile of the Uninsured Appendix VIII Sampling Errors of Percentages This appendix contains sampling errors for percentages of uninsured individuals shown in all tables in appendixes IV through VII. The sam- pling errors are computed at the 95-percent confidence level. The Bureau of the Census recommends when using CPS data, that care be exercised when interpreting analysis results based on a relatively small number of cases or on small differences between estimates. Census maintains that valid estimates cannot be made where the population base is 75,000 or less. Table VIII.1: Sampling Errors (Percentage Points) for Table IV.1 Uninsured percentages of worker populations by combined industry category State Manufacturing Services Other Alabama 5 4 8 California 3 1 3 Florida 4 2 4 Georgia 5 3 6 Illinois 3 2 4 Louisiana 10 4 8 Michigan 2 2 5 New Jersey 3 2 4 New York 3 1 3 North Carolina 3 3 6 Ohio 2 2 4 Pennsylvania 2 2 3 Tennessee 4 3 6 Texas 4 2 4 Virginia 5 2 6 United States 1 0 1 Page 49 GAO/HRD-91-31FS A Profile of the Uninsured Appendix VIII Sampling Errors of Percentages Table VIII.2: Sampling Errors (Percentage Points) for Table V.1 Uninsured percentages of population groups based on the ratio of their family income to the poverty level State Under 1.0 1.0-1.99 2.0 and over Total Alabama 10 8 3 3 California 4 4 1 1 Florida 7 5 2 2 Georgia 9 7 2 3 Illinois 6 5 1 2 Louisiana 8 8 4 3 Michigan 6 5 1 1 New Jersey 11 8 2 2 New York 4 4 1 1 North Carolina 9 6 2 2 Ohio 6 5 1 1 Pennsylvania 6 4 1 1 Tennessee 8 8 2 3 Texas 5 4 2 2 Virginia 10 8 2 2 United States 1 1 0 0 Page 50 GAO/HRD-91-31FS A Profile of the Uninsured Appendix VIII Sampling Errors of Percentages Table VIII.3: Sampling Errors (Percentage Points) for Table V.2 Percentages of uninsured workers by personal income range $1- $10,000- $20,000- $30,000- $40,000 State 9,999 19,999 29,999 39,999 and over Total Alabama Full-time/full-year 1 6 5 5 4 8 Part-time/part-year 8 7 4 3 0 8 Total 8 8 6 5 4 California Full-time/full-year 1 2 2 2 2 3 Part-time/part-year 2 2 1 1 1 3 Total 3 3 2 2 2 Florida Full-time/full-year 2 3 3 3 3. 5 Part-time/part-year 4 4 2 2 1 5 Total 4 4 4 3 3 Georgia Full-time/full-year 2 5 4 4 4 7 Part-time/part-year 6 5 3 2 3 7 Total 6 6 5 4 4 Illinois Full-time/full-year 2 4 4 3 4 6 Part-time/part-year 5 5 3 2 2 6 Total 5 6 5 4 4 Louisiana Full-time/full-year 2 4 5 4 4 7 Part-time/part-year 7 5 4 3 3 7 Total 7 7 6 5 5 Michigan Full-time/full-year 2 5 5 4 5 8 Part-time/part-year 7 5 4 2 3 8 Total 7 7 6 5 6 New Jersey Full-time/full-year 2 5 5 5 6 8 Part-time/part-year 5 6 4 3 4 8 Total 5 7 7 6 7 New York Full-time/full-year 2 3 3 3 4 5 Part-time/part-year 3 4 3 2 2 5 Total 4 4 4 3 4 (continued) Page 51 GAO/HRD-91-31FS A Profile of the Uninsured Appendix VIII Sampling Errors of Percentages Percentages of uninsured workers by personal income range $1- $10,000- $20,000- $30,000- $40,000 State 9,999 19,999 29,999 39,999 and over Total North Carolina Full-time/full-year 3 5 6 4 5 8 Part-time/part-year 7 5 4 3 3 8 Total 7 7 7 5 5 Ohio Full-time/full-year 2 4 4 3 4 7 Part-time/part-year 6 6 4 3 3 7 Total 6 6 5 4 5 Pennsylvania Full-time/full-year 3 4 5 4 4 7 Part-time/part-year 6 5 4 2 3 7 Total 7 6 6 5 5 Tennessee Full-time/full-year 2 7 6 3 5 9 Part-time/part-year 8 7 5 3 4 9 Total 8 9 7 4 6 Texas Full-time/full-year 1 3 3 2 2 4 Part-time/part-year 3 3 2 1 1 4 Total 3 3 3 2 2 Virginia Full-time/full-year 2 5 6 5 6 8 Part-time/part-year 7 5 5 3 2 8 Total 7 7 7 6 6 United States Full-time/full-year 1 2 3 2 2 4 Part-time/part-year 3 3 2 1 1 4 Total 3 3 3 2 3 Page 52 GAO/HRD-91-31FS A Profile of the Uninsured Appendix VIII Sampling Errors of Percentages Table VIII.4: Sampling Errors (Percentage Points) for Table VI.1 Uninsured percentages by employment status group Full-time/ Part-time/ Not in work State full-year part-year Unemployed force Alabama 3 6 a 9 California 0 2 21 4 Florida 0 3 a 6 Georgia 0 5 a 7 Illinois 0 3 23 5 Louisiana 0 6 23 9 Michigan 0 3 a 4 New Jersey 0 3 a 6 New York 0 3 27 3 North Carolina 0 4 a 8 Ohio 0 3 27 5 Pennsylvania 0 3 28 4 Tennessee 0 4 a 9 Texas 0 3 22 6 Virginia 0 4 a 7 United States 0 1 7 1 ᵃNo sampling error was calculated because the population base is too small (less than 75,000). Table VIII.5: Sampling Errors (Percentage Points) for Table VI.2 Uninsured percentages by employment status group Full-time/ Part-time/ Not in work State full-year part-year Unemployed force Alabama 7 8 2 6 California 3 3 1 2 Florida 4 4 1 3 Georgia 6 6 1 4 Illinois 5 5 2 4 Louisiana 6 6 3 5 Michigan 7 7 3 5 New Jersey 7 7 3 6 New York 4 4 2 4 North Carolina 7 7 2 5 Ohio 5 6 2 5 Pennsylvania 6 6 3 5 Tennessee 7 7 4 7 Texas 3 3 1 3 Virginia 7 7 4 5 United States 1 1 0 1 Page 53 GAO/HRD-91-31FS A Profile of the Uninsured Appendix VIII Sampling Errors of Percentages Table VIII.6: Sampling Errors (Percentage Uninsured percentages by age group Points) for Table VII.1 18 and State younger 19-24 25-34 35-44 45-54 55-64 6 12 8 8 7 9 Alabama California 2 5 3 3 4 4 4 7 5 5 5 5 Florida 4 9 6 7 6 7 Georgia Illinois 2 6 4 4 4 5 9 9 Louisiana 6 12 8 10 Michigan 2 6 4 3 4 4 3 8 5 4 5 5 New Jersey New York 2 5 3 3 3 3 4 9 5 5 6 6 North Carolina 2 6 4 3 4 4 Ohio Pennsylvania 2 6 3 3 4 4 6 7 7 Tennessee 5 10 7 3 6 4 4 5 5 Texas 4 9 5 5 7 6 Virginia United States 1 1 1 1 1 1 Table VIII.7: Sampling Errors (Percentage Uninsured percentages by racial/ethnic group Points) for Table VII.2 White Black Hispanic State 4 9 a Alabama 1 6 4 California 2 7 9 Florida 3 6 a Georgia 6 9 Illinois 2 Louisiana 4 9 a 2 6 19 Michigan New Jersey 2 8 11 1 6 6 New York 2 8 a North Carolina Ohio 2 6 24 Pennsylvania 1 8 13 3 8 a Tennessee 2 7 5 Texas 2 9 25 Virginia 0 2 2 United States ᵃNo sampling error was calculated because the population base is too small (less than 75,000). Page 54 GAO/HRD-91-31FS A Profile of the Uninsured Appendix VIII Sampling Errors of Percentages Table VIII.8: Sampling Errors (Percentage Points) for Table VII.3 Percentages of populations by racial/ethnic group State White Black Hispanic Other Alabama Population 4 5 1 0 Uninsured 9 121 1 0 California Population 2 1 2 1 Uninsured 3 2 5 3 Florida Population 2 2 2 1 Uninsured 5 6 6 2 Georgia Population 3 4 1 1 Uninsured 8 10 3 2 Illinois Population 2 2 2 1 Uninsured 7 8 7 4 Louisiana Population 4 5 1 1 Uninsured 8 11 3 1 Michigan Population 2 3 1 1 Uninsured 9 11 3 2 New Jersey Population 3 3 2 2 Uninsured 10 10 11 5 New York Population 2 2 2 1 Uninsured 6 6 6 4 North Carolina Population 3 4 1 1 Uninsured 9 11 3 3 Ohio Population 2 2 1 0 Uninsured 6 7 3 1 Pennsylvania Population 2 2 1 1 Uninsured 6 7 2 4 Tennesssee Population 3 4 1 1 Uninsured 8 11 0 4 (continued) Page 55 GAO/HRD-91-31FS A Profile of the Uninsured Appendix VIII Sampling Errors of Percentages Percentages of populations by racial/ethnic group State White Black Hispanic Other Texas Population 2 2 2 1 Uninsured 4 4 5 1 Virginia Population 3 4 1 2 Uninsured 9 12 3 5 United States Population 0 0 0 0 Uninsured 1 1 1 1 Table VIII.9: Sampling Errors (Percentage Points) for Table VII.4 Uninsured percentages by marital status group Married (excluding Divorced or Never State separated) Widowed separated married Alabama 5 a 14 5 California 2 12 4 2 Florida 3 15 7 3 Georgia 3 20 9 4 Illinois 2 16 7 2 Louisiana 5 21 14 5 Michigan 2 13 7 2 New Jersey 2 16 9 3 New York 2 9 6 2 North Carolina 3 20 9 4 Ohio 2 14 7 2 Pennsylvania 2 11 8 2 Tennessee 4 14 11 4 Texas 3 16 7 3 Virginia 3 19 11 4 United States 1 3 2 1 ᵃNo sampling error was calculated because the population base is too small (less than 75,000). Page 56 GAO/HRD-91-31FS A Profile of the Uninsured Appendix VIII Sampling Errors of Percentages le VIII.10: Sampling Errors rcentage Points) for Table VII.5 Uninsured percentages by educational status group Grade High State school school College Alabama 13 5 6 California 6 2 2 Florida 10 3 3 Georgia 12 4 4 Illinois 10 3 3 Louisiana 13 6 6 Michigan 10 3 2 New Jersey 13 3 3 New York 7 2 2 North Carolina 11 4 4 Ohio 9 2 3 Pennsylvania 10 2 2 Tennessee 10 4 5 Texas 7 3 3 Virginia 12 4 2 United States 2 1 1 Page 57 GAO/HRD-91-31FS A Profile of the Uninsured Appendix IX Major Contributors to This Fact Sheet Human Resources Janet L. Shikles, Director, Health Financing and Policy Issues, (202) 275-5451 Division, Michael F. Gutowski, Assistant Director Washington, D.C. James O. McClyde, Assignment Manager David W. Bieritz, Evaluator-in-Charge Paula J. Bonin, Computer Specialist (108757) Page 58 GAO/HRD-91-31FS A Profile of the Uninsured