Uninsured by the numbers…

There are 48.4 million uninsured Americans which is about 18 percent of the population according to the last Census. But who are they? And what is the best way to get them signed up for new health insurance coverage options that roll out later this year?

The U.S. Centers for Medicare and Medicaid Services has just released a report for those with a stake in getting people signed up, including insurers, consumer advocates and state officials. The analysis breaks the uninsured down by age, race, geography and demographic.

Here’s a summary:

Nearly half of the uninsured are young and healthy—that includes the so-called young invincible as well as older people who also “take health for granted.” They aren’t terribly motivated to enroll in coverage offered in the new online insurance marketplaces opening in October, but they’re exactly the sort of people the government needs to enter the risk pools if premiums are to be kept low. A little over half say that cost is the main reason they are uninsured.

Then there are the nearly one-third of uninsured Americans who are in poor health, and concerned about not having coverage. These are the folks who likely need health insurance most, and are likely to sign up for it. In the current individual marketplace, they’re likely to face high insurance costs because of pre-existing conditions. Nearly 80 percent cite cost as the main reason they are uninsured.

Then there are the nearly one-third of uninsured Americans who are in poor health, and concerned about not having coverage. These are the folks who likely need health insurance most, and are likely to sign up for it. In the current individual marketplace, they’re likely to face high insurance costs because of pre-existing conditions. Nearly 80 percent cite cost as the main reason they are uninsured.

Other interesting facts from the report:

  • 55 percent of the uninsured are male;
  • 54.5 percent of the uninsured earn less than 138 percent of the federal poverty level or $32,499 for a family of four, and will likely qualify for Medicaid next year in the states that expand the program;
  • 38.2 percent of the uninsured earn less than 400 percent of the federal poverty level, or $94,200 for a family of four, and will likely qualify for subsidies to purchase health insurance on the exchanges in 2014.
  • 7.3 percent of the uninsured earn too much to qualify for subsidies and may be on their own to purchase coverage;
  • 44.8 percent of the uninsured are white, 32.4 percent are Latino and 14.9 percent are black;

About Craig Thompson

I am a young professional with two great sons, and I work in the healthcare setting. I am employed in hospital administration and serve as Chief Operating Officer at Golden Valley Memorial Healthcare in Clinton, Missouri. These are challenging and exciting times in healthcare and my blog will focus on healthcare, raising boys or being raised by boys, and living in mid America.
This entry was posted in Uncategorized. Bookmark the permalink.

Leave a Reply

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out / Change )

Twitter picture

You are commenting using your Twitter account. Log Out / Change )

Facebook photo

You are commenting using your Facebook account. Log Out / Change )

Google+ photo

You are commenting using your Google+ account. Log Out / Change )

Connecting to %s