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Last year, just under 15% of the U.S. population did not have health insurance coverage. But as the different stages of the Affordable Care Act roll out over the next few years -- and more Americans become insured -- this rate is likely to fall.

For now though, health insurance remains out of reach for many Americans. In states like Florida and Alaska, more than one in five residents are without insurance. And an estimated 22.5% of Texans didn't have health insurance last year. Based on data recently released by the U.S. Census Bureau, 24/7 Wall St. reviewed the 10 states with the lowest rates of health insurance coverage in the U.S in 2012.

People 65 and older are automatically eligible for Medicare. Nationally, 15.5% of the population is covered by this program. Several of the states with lower overall coverage rates have disproportionately fewer residents over 65, and as a result they have lower rates of Medicare coverage.

The opposite is also true. In Florida, where 20.1% of the population is without health insurance, has the the second-highest proportion of residents covered by Medicare.

The other large public health insurance program, Medicaid, covers Americans who cannot afford coverage. Roughly 18% of the population is covered under the program. Many of the states with the lowest health insurance coverage have relatively low median household income and high poverty rates. But, like Medicare, there does not appear to be a strong relationship between high Medicaid coverage and lower overall rates of uninsured residents.

In an interview with 24/7 Wall St., Peter Cunningham, senior fellow at Center for Studying Health System Change, explained that while Medicare and Medicaid can impact a state’s health insurance coverage rate. While Medicaid plays a small roll, “It’s really the variation in the rates of employer-provided private insurance coverage that drives the variation in uninsured rates," Cunningham said.

Indeed, over 65% of the U.S. population is covered through private health insurance, and the vast majority of that is through employers. All of the 10 states with the lowest overall health insurance coverage rates had among the lowest rates of employer-provided insurance.

These states have low rates of employer-provided insurance, Cunningham explained, because of the industries that are common in these states. Most of these states have lower proportions of higher paying jobs or unionized manufacturing jobs, in which employers tend to provide insurance. In fact, all but one of these states had below the national average manufacturing employment. “We all talk about the decline of American manufacturing, but it’s still the case that in a lot of states, the traditional manufacturing jobs still play a pretty big role.”

#1. Texas
> Pct. without health insurance (2012): 22.5%
> Unemployment rate (2012): 6.8% (17th lowest)
> Poverty rate: 17.9% (11th highest)
> Pct. aged 65 and over: 10.9% (3rd lowest)

Not only did Texas have the highest rate of uninsured people in 2012, but the state also had among the highest portion of uninsured children, elderly, and unemployed people. Additionally, over 30% of adults under 65 were uninsured in the state. Texas lawmakers have been opposed to the Affordable Care Act, with Texas Senator Ted Cruz speaking for over 20 hours in an attempt to block the law from taking effect.



Get Insured!: Source

Posted 8:36 AM  View Comments

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