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Low-Income Working Families With Employer-Sponsored Insurance Turn To Public Insurance For Their Children
Low-Income Working Families With Employer-Sponsored Insurance Turn To Public Insurance For Their Children
- Source :
- Health Affairs. 35:2302-2309
- Publication Year :
- 2016
- Publisher :
- Health Affairs (Project Hope), 2016.
-
Abstract
- Many families rely on employer-sponsored health insurance for their children. However, the rise in the cost of such insurance has outpaced growth in family income, potentially making public insurance (Medicaid or the Children's Health Insurance Plan) an attractive alternative for affordable dependent coverage. Using data for 2008-13 from the Medical Expenditure Panel Survey, we quantified the coverage rates for children from low- or moderate-income households in which a parent was offered employer-sponsored insurance. Among families in which parents were covered by such insurance, the proportion of children without employer-sponsored coverage increased from 22.5 percent in 2008 to 25.0 percent in 2013. The percentage of children with public insurance when a parent was covered by employer-sponsored insurance increased from 12.1 percent in 2008 to 15.2 percent in 2013. This trend was most pronounced for families with incomes of 100-199 percent of the federal poverty level, for whom the share of children with public insurance increased from 22.8 percent to 29.9 percent. Among families with incomes of 200-299 percent of poverty, uninsurance rates for children increased from 6.0 percent to 9.2 percent. These findings suggest a movement away from employer-sponsored insurance and toward public insurance for children in low-income families, and growth in uninsurance among children in moderate-income families.
- Subjects :
- Male
Adolescent
Self-insurance
Eligibility Determination
Medical underwriting
Children's Health Insurance Program
Health Services Accessibility
03 medical and health sciences
0302 clinical medicine
Surveys and Questionnaires
Insurance policy
Humans
Casualty insurance
030212 general & internal medicine
Child
Income protection insurance
Insurability
health care economics and organizations
Medically Uninsured
Insurance, Health
Public economics
Medicaid
030503 health policy & services
Health Policy
Group insurance
General insurance
United States
Health Benefit Plans, Employee
Child, Preschool
Income
Female
Demographic economics
Business
Health Expenditures
0305 other medical science
Subjects
Details
- ISSN :
- 15445208 and 02782715
- Volume :
- 35
- Database :
- OpenAIRE
- Journal :
- Health Affairs
- Accession number :
- edsair.doi.dedup.....9f33ab07fbdee8c8cd7f249b8f30359b
- Full Text :
- https://doi.org/10.1377/hlthaff.2016.0381