TAILIEUCHUNG - Sources of Health Insurance and Characteristics of the Uninsured: Analysis of the March 2011 Current Population Survey

Our new insight is on the interaction between relative labor turnover dynamics and lack of insurers’ premium flexibility. A related possibility is that high labor turnover may be preferred by some employers, especially small firms that employ homogenous workers with low job-specific human capital. Workers tolerant of high turnover tend to be younger and healthier. By not offering health insurance, despite the tax advantage, these firms deter older and less healthy workers. High administrative costs of offering health insurance in small firms further exacerbate this dynamic selection problem. Our model provides an explanation for the well-documented pattern that small firms are much more likely to forgo health. | ebrioOrg Employee Benefit Research Institute September 2011 No. 362 Issue BRIEF Sources of Health Insurance and Characteristics of the Uninsured Analysis of the March 2011 Current Population Survey By Paul Fronstin Employee Benefit Research Institute LATEST CENSUS DATA This Issue Brief provides historical data through 2010 on the number and percentage of nonelderly individuals with and without health insurance. Based on EBRI estimates from the . Census Bureau s March 2011 Current Population Survey CPS it reflects 2010 data. It also discusses trends in coverage for the 1994-2010 period and highlights characteristics that typically indicate whether an individual is insured. HEALTH COVERAGE RATE CONTINUES TO DECREASE UNINSURED INCREASE The percentage of the nonelderly population under age 65 with health insurance coverage decreased to percent in 2010. Increases in health insurance coverage have been recorded in only three years since 1994 when million nonelderly individuals were uninsured. The percentage of nonelderly individuals without health insurance coverage was percent in 2010 up from percent in 2009 and its highest level during the 1994-2010 period. EMPLOYMENT-BASED COVERAGE REMAINS DOMINANT SOURCE OF HEALTH COVERAGE BUT CONTINUES TO ERODE Employment-based health benefits remain the most common form of health coverage in the United States. In 2010 percent of the nonelderly population had employment-based health benefits down from percent in 2000. SHIFTING COMPOSITION OF EMPLOYMENT-BASED COVERAGE Between 2007 and 2010 the percentage of individuals under age 65 with employment-based coverage in their own name has dropped. In 2007 percent had coverage in their own name. By 2010 it was down to percent. Dependent coverage during this time period fell slightly from percent to percent and increased slightly from percent to percent between 2009 and 2010. PUBLIC PROGRAM COVERAGE IS GROWING Public program .

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