Characteristics of Uninsured Workers in New York Danielle Holahan United Hospital Fund January 21, 2005

United Hospital Fund 2 One in four New York City non-elderly residents and one in five New York State non-elderly residents do not have health insurance. 47% 25% 24% 61% 18% 4% New York City New York State Employer- Sponsored Employer- Sponsored Distribution of Health Insurance Coverage, New York City and New York State, million people16.7 million people 4%

United Hospital Fund 3 Percent of Total Uninsured in New York State by Work Status, Workers and Their Dependents Non-Workers and Their Dependents Nearly 80 percent of the uninsured are workers or dependents of a worker. Total Uninsured

United Hospital Fund 4 More than a quarter of New York City workers and one fifth of New York State workers do not have health insurance. 61% 9% 27% 71% 19% 6% 4% New York City New York State Employer- Sponsored Employer- Sponsored Distribution of Health Insurance Coverage, Among Workers, New York City and New York State, million workers9.0 million workers 4% Directly Purchased

United Hospital Fund 5 Uninsured Rates Uninsured Workers By Income New York State, Below 200% FPL % FPLAbove 300% FPL Share of Uninsured Workers Low-wage workers are most likely to be uninsured and represent over half of all uninsured workers.

United Hospital Fund 6 Uninsured Rates Uninsured Workers By Firm Size New York State, Less than 25 Workers Workers1000+ Workers Workers Share of Uninsured Workers Workers in small firms are most likely to be uninsured and represent half of all uninsured workers.

United Hospital Fund 7 Uninsurance Rates in New York State by Firm Size and Income, Workers in small firms are more likely to be uninsured regardless of income; and low-income workers are more likely to be uninsured regardless of firm size. Low-IncomeMiddle IncomeHigh Income Less than 25 Workers Workers Workers Workers

United Hospital Fund 8 Uninsured Rates Uninsured Workers By Industry New York State, Services/Arts/Entertainment/ Agriculture/Construction High uninsured rates characterize a broad range of industries. Wholesale/Retail Trade/ Professional All Other Industries

United Hospital Fund 9 Employer Coverage Offer Rates and Employee Eligibility New York State, 2001 Three-quarters of workers in New York were offered and eligible for their employer’s health insurance coverage. All Workers

United Hospital Fund 10 Eligibility for an Employer-Sponsored Coverage Offer Among Uninsured Workers, New York State, 2001 More than eighty percent of uninsured workers do not have access to employer sponsored coverage.

United Hospital Fund 11 Take-up by New York Workers Eligible for an Offer, 2001 Nine out of ten workers who are eligible for health insurance coverage through their employer accept this offer. Take-up rates are high across all income levels.

United Hospital Fund 12 Eligibility for an Offer, By Income of Workers New York State, 2001 Low-income workers are least likely to be offered and eligible for coverage by their employer.

United Hospital Fund 13 Workers Eligibility for an Offer By Firm Size New York State, 2001 Workers in small firms are far less likely to be offered and eligible for coverage by their employer.

United Hospital Fund 14 Workers in certain industries are less likely to be eligible for employer sponsored coverage. FIRE = Finance, Insurance, Real Estate.

United Hospital Fund 15 Take-up of Coverage (Conditional on Offer) by Firm Size, Workers in New York State, 2001 Compared with workers in larger firms (25+ workers), workers in small firms (<25 workers) are slightly more likely to take up coverage when offered. Eligible Workers in Small Firms Eligible Workers in Medium/Large Firms

United Hospital Fund 16 Share of Eligible Workers in New York State who Take-Up by Industry, 2001 Take-up of employer-sponsored insurance among workers eligible for coverage is high across industries. Eligible Workers in High ESI Industries Eligible Workers in Low ESI Industries

United Hospital Fund 17 Workers in New York State by Industry, Workers Nearly 60 percent of workers are in industries with high rates of employer-sponsored insurance. Education/Information/ Communications Finance/Insurance/Real Estate Health/Social Services Mining/Manufacturing/Utilities/ Transportation Public Administration/Former Military Agriculture/Construction Professional Services/Arts/Entertainment Wholesale/Retail Trade High ESI Industries Low ESI Industries 44% 56%

United Hospital Fund 18 Summary Data: Uninsured Workers in New York State 2.3 million uninsured workers and their dependents 1.7 million uninsured workers 0.9 million uninsured workers in small firms 0.9 million uninsured low-income workers 0.5 million uninsured low-income workers in small firms

United Hospital Fund 19 Conclusion Workers most likely to be uninsured: –Low-income –Small firms –A broad range of industries 84 percent of uninsured workers do not have access to employer sponsored coverage Increasing employer offer rates and affordability of coverage would increase coverage rates