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HEALTH INSURANCE COVERAGE OF WORKING-AGE ADULTS

HEALTH INSURANCE COVERAGE OF WORKING-AGE ADULTS. One-Third of Working-Age Adults Were Currently Uninsured or Had a Recent Gap*. 164 million adults age 18-64. * Recent gap = insured when surveyed but had a period in past 2 years without coverage.

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HEALTH INSURANCE COVERAGE OF WORKING-AGE ADULTS

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  1. HEALTH INSURANCE COVERAGEOF WORKING-AGE ADULTS

  2. One-Third of Working-Age Adults Were Currently Uninsured or Had a Recent Gap* 164 million adults age 18-64 * Recent gap = insured when surveyed but had a period in past 2 years without coverage

  3. Low-Income, Working-Age Adults Were More Likely to Be Uninsured or to Have Had a Recent Gap* Recent Gap 11% Recent Gap 17% Currently Uninsured 8% Continuously Insured 48% Currently Uninsured 36% Continuously Insured 81% <200% of poverty 200%+ of poverty * Recent gap = insured when surveyed but had a period in past 2 years without coverage

  4. Two-Thirds of Adults with a Time UninsuredWere Uninsured for One Year or More 52 million adults age 18-64 currently uninsured or recent gap

  5. Cost and Lack of Employer Benefits Were theMain Reasons for Not Having Insurance Reasons for not having health insurance

  6. Over Half of Adults in Low-Wage, Working Families Were Uninsured Sometime in the Past Two Years 59% 31% 13% 8% Note: In 1996, 200% of poverty was about $21,000 for a family of two and $25,000 for a family of three

  7. Most Uninsured Adults Were Working Full-Time or Married to a Full-Time Worker 52 million adults age 18-64 currently uninsured or recent gap * Respondent or spouse is disabled, a student, or a retiree, and neither is a full- or part-time worker

  8. Adults in Low-Wage, Working Families Were Uninsured for Longer Periods of Time Period of Time Without Coverage 38 million adults age 18-64 in working families with a time uninsured in past 2 years

  9. Part-Time Worker and Unemployed Families Were at High Risk of Being Uninsured 64% 63% 30% 28% 26% Working * Respondent or spouse is disabled, a student, or a retiree, and neither is a full- or part-time worker

  10. Insurance Coverage Was Often Unstablefor Adults Under Age 65 Percent in current plan less than 2 years

  11. Reasons for Changes in Health Plans Reasons for plan change for adults who changed plans in the past 2 years

  12. ACCESS TO HEALTH CARE

  13. Two in Five Uninsured Adults Went Without Needed Care in the Past Year 164 million adults age 18-64

  14. Half of Uninsured Adults Had Access Difficultiesand Postponed Care Due to Costs 164 million adults age 18-64

  15. Low-Income Uninsured Adults Were atHigh Risk of Access Problems Percent not getting needed care or prescription in past year Adults age 18-64

  16. Going Without Needed Care Had Consequences

  17. PROBLEMS PAYING MEDICAL BILLS

  18. Uninsured Adults Had Substantial Problems Paying Medical Bills

  19. Nearly Half of Uninsured/Recent Gap AdultsHad Access or Bill Problems * Time you didn’t get needed care or didn’t fill needed prescription

  20. ADULTS WITH HEALTH PROBLEMS

  21. One-Third in Fair or Poor Health Were Uninsuredor Had a Recent Gap* Recent Gap 13% Currently Uninsured 22% Continuously Insured 64% 29 million adults age 18-64 with fair/poor health status * Recent gap = insured when surveyed but had a period in past 2 years without coverage

  22. Two-Thirds of Uninsured Adults in Fair or Poor Health Went Without Needed Care in the Past Year 29 million adults age 18-64 in fair or poor health

  23. Three in Four Uninsured Adults with Health Problems Had Access or Bill Problems * Time you didn’t get needed care or didn’t fill needed prescription

  24. ADULTS IN WORKING FAMILIES

  25. As Wages Decrease, Access or Bill Problems Increase for Working Families Percent not getting needed care or prescriptions and/or had medical bill problems in past year 128 million adults age 18-64 in families with a FT or PT worker Note: In 1996, 200% of poverty was about $21,000 for a family of two and $25,000 for a family of three

  26. One-Third of Low-Wage Working Families Had Problems Paying Medical Bills

  27. Uninsured Adults in Working Families Had Access and Cost Difficulties 128 million adults age 18-64 in families with a FT or PT worker

  28. Low-Wage Working Families at High Risk of Access or Cost ProblemsAccess or Bill Problem in Past Year

  29. CHOICE OF PLANS FROM EMPLOYERS FOR WORKING-AGE ADULTS

  30. Majority of Adults Do Not Have a Choiceof Plans from Their Employer No Plans 18% NO CHOICE OF PLANS Employer Offers Choice 41% One Plan Offered 41%

  31. Low-Wage Workers Are the Least Likely to Have a Choice of Health Plans* * Totals may not add to 100% due to rounding

  32. Larger Employers Are More Likely to Offera Choice of Plans

  33. Married Adults Are More Likely to HaveChoice if Two-Worker Family Choice of Plan from Own Employer 41% No Plans 13% Choice of Plan from Own Employer 34% One Plan 24% Choice of Plan from Spouse Employer 14% One Plan 41% No Plans 19% One Plan from Each Employer 15% Married adults Single adults

  34. MEDICARE: EXPERIENCES OF ADULTS AGE 65 AND OLDER COMPARED WITH WORKING-AGE ADULTS

  35. Medicare Beneficiaries Were the Most Satisfied with Health Care Services Percent very satisfied with health care services

  36. Medicare Beneficiaries Were the Most Satisfiedwith Insurance and Plan Choice of Doctors Adults age 18 and older

  37. Elderly Were Less Likely to Have a Time They Didn’t Get Needed Care than Adults Under Age 65 Percent not getting needed care or prescription in past year Adults Age 18-64

  38. Elderly Were Less Likely to Have Problems Paying Medical Bills than Adults Under Age 65 Percent with problem paying medical bills in the past year Adults Age 18-64

  39. Elderly Were Less Likely to Have Disruption in Physician Care than Adults Under Age 65 Percent with regular doctor five years or more Adults Age 18-64

  40. WORRIES ABOUT HEALTH CARE: ELDERLY AND NON-ELDERLY COMPARED

  41. Worries About Access and Health CostsPercent who worry “a great deal” or “a lot” * Less than 200% of poverty

  42. Insurance Gaps Contributed to Non-Elderly Worries About Bills and Access Percent who worry “a great deal” or “a lot” 164 million adults age 18-64

  43. Support for Health Insurance Coverage Reform Percent favor

  44. TRENDS: COMPARISONS OF KAISER/COMMONWEALTH 1993 AND 1997 NATIONAL SURVEYS

  45. Uninsured Rates Remain High Despitean Improved Economy Note: 1993 data are from the Kaiser/Commonwealth 1993 Survey

  46. Health Care Access Concerns Persist over Time for Working-Age Adults Note: 1993 data are from the Kaiser/Commonwealth 1993 Survey

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