Chronic Condition: Working Without Health Insurance
Jan 10, 2025 By Emma Curchin, John Schmitt, CEPR
...."...even after the full implementation of the ACA, more than 27 million US residents still remain without health insurance.1 As we document here, almost 16 million of the uninsured are workers in full-time jobs, part-time jobs, or unemployed and actively seeking work. Over 10 million of these uninsured workers hold year-round, full-time jobs.
Workers between the ages of 18 and 64 have long been less likely than the average US resident to have health insurance (see Figure 1). Many workers fall through the holes in the patchwork of health insurance coverage, which includes employer-provided plans, individually purchased coverage through state-level health exchanges, and Medicaid (which is especially important for low-income workers). The vast majority of workers are ineligible for key government health insurance programs that provide higher rates of coverage for other populations. Workers under the age of 65, for example, are not eligible for the Medicare program, which provides nearly universal coverage for the US population 65 and older. Workers are also generally too old to qualify for the Children's Health Insurance Program (CHIP), which, together with Medicaid, produces uninsured rates for children that are about half those of adult workers.2 Finally, a sizable share of the workforce lives in households with incomes that push them above the thresholds where they would qualify for Medicaid and other forms of need-based coverage.....
As the data show, some groups of workers are much more likely than others to be uninsured. Workers who experience any spell of unemployment during the course of a year are the most likely to be without insurance (18.7 percent), followed by part-time or part-year workers (14.4 percent). But even a large share of full-time, full-year workers (10.5 percent) go without any health insurance coverage from any source during the course of the year.....
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