More Information on Those Having Individual Health Insurance Coverage in Michigan

By Family Type

• Families headed by a single adult are more than twice as likely to have individually purchased coverage, with a rate of 10.3 percent, than families headed by a married couple which have such coverage at a rate of 4.4 percent.
• Families headed by a single adult represent 54.2 percent of families with individually purchased coverage, while families headed by a married couple represent 45.8 percent of families with such coverage.

By Location

• Similar percentages of urban and rural residents have individually purchased coverage with rates of 6.6 percent and 5.2 percent respectively.
• Urban residents represent 87.7 percent of the population with individually purchased coverage while rural residents represent 12.3 percent.

By Work Status

• With a rate of 9.7 percent, part-time workers and their families are almost twice as likely to have individually purchased coverage as households headed by full-time workers, whose rate is 5.2 percent.
• Full-time workers represent over half (58.4 percent) of those with individually purchased coverage, while part-time and seasonal workers represent 24.7 percent and non-workers are the other 16.8 percent.

By Private Sector Firm Size

• Household members of employees in private sector firms with less than 100 workers are more likely to have individually purchased coverage than those who live with employees at firms with 100 or more workers, with rates of 6.4 percent and 3.4 percent respectively.
• Over half (51.5 percent) of those with individually purchased insurance live in households with a family head who works at a private sector firm with less than 100 workers; almost a third (32.1 percent) live in households in which the head of household works at a firm with more than 1,000 employees. The remaining 16.4 percent are headed by workers in firms with 100 to 999 employees.

By Industry

• Individuals whose head of household is self-employed are more likely to have individually purchased coverage, with a rate of 22.9 percent. Only 4.5 percent of family members whose household head is employed in the private sector have such coverage, as do 2.1 percent of those who live with a head of household employed in the public sector.
• Those who live with a head of household employed in the private sector represent 48.2 percent of persons with individually purchased coverage, while those who live with the self-employed represent 31.3 percent, and those who live with a head of household in the public sector comprise 3.6 percent. Family members living with a non-worker represent 16.8 percent of those with individually purchased insurance