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Health Insurance policy choices
There are two primary types of heath insurance programs these are Managed Care Health Insurance and Fee-for-Service Health Insurance. There are both similarities and differences in health insurance plans so let's examine each type of policy.
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Health Insurance Facts and figures
Millions of Americans in 1999 without health insurance: 43
Percentage of Americans in 1999 without health insurance: 16
Biggest group of uninsured workers: Childless single workers
Percentage of U.S. population with employment-based health insurance: 62
Percentage of uninsured Americans who work or live with workers: 80
Percentage of uninsured workers who work full-time: 71
Percentage of uninsured workers who work part-time: 29
Percentage of uninsured workers in firms with fewer than ten employees: 25
Percentage of uninsured workers in firms with more than 100 employees: 43
Percentage of uninsured workers who earn less than $7/hr: 43
Percentage of uninsured workers who earn less than $10/hr: 69
Cost of a typical family coverage policy in 2001: $6,800
Annual income of a 4-person family at 200% of the poverty line in 2001: $35,300
Percentage of family’s $35,300 income needed to pay for insurance: 19
Percentage of family’s $35,300 income needed for insurance with $2000 subsidy: 14
Percentage of uninsured workers with low incomes (below 200% of poverty line): 59
Percentage of uninsured workers whose employers don’t sponsor insurance: 59
Percentage of uninsured workers who aren’t eligible for their employers’ plan: 21
Percentage of workers in retail whose employers don’t offer insurance coverage: 61
Percentage of workers in
construction whose employers don’t offer: 63
Percentage of workers in manufacturing (durables) whose employers don’t offer: 91
Percentage of workers in professional services whose employers don’t offer: 80
Percentage of workers in personal services whose employers don’t offer: 46
Size of firms least likely to offer health insurance: fewer than 10 employees
Percentage of full-time workers (more than 35 hours) offered coverage: 85
Percentage of part-time workers (20-34 hours) offered coverage: 43
Percentage of part-time workers (less than 20 hours) offered coverage: 20
Percentage of poor workers in single-earner families who decline offer of coverage: 25
Percentage of high income workers in single-earner families who decline offer: 5
Adapted from Workers Without Health Insurance: Who Are They and How Can Policy Reach Them?
Bowen Garrett, Len M. Nichols, and Emily K. Greenman, The Urban Institute, 2001.
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