Facts Regarding Employer-Based Health Insurance Coverage in Michigan

Quick Facts on Employer-based Coverage in Michigan Non-elderly, CPS 2004-2006 Average

By Age

• Three quarters of adults aged 30-64 have employer-based coverage while only about half (52.7 percent) of young adults age 21 to 24 have such coverage.
• Almost three-quarters (72.9 percent) of those with employer-based coverage in Michigan are adults, with the remainder being children.

By Race and Ethnicity

• Almost three out of four (74.2 percent) Whites have employer-based coverage, compared to less than half (46.9 percent) of Blacks and 55.5 percent of Hispanics.
• Whites represent 82.5 percent of the population with employer-based coverage while Blacks represent 9.8 percent; Hispanics represent 3.1 percent, and other minorities 4.5 percent.

By Gender

• Adult males and females have 70.8 percent and 70.9 percent respective chances of having employer-based coverage.
• The distribution of adults with employer-based coverage is fairly evenly split between men and women.

By Family Income

• Only about one-third (32.3 percent) of families with incomes below 200 percent of poverty have employer-based insurance, while 84.2 percent of individuals in families with incomes at and above 200 percent of poverty have such coverage.
• Families with incomes at and above 200 percent of poverty represent 86.6 percent of those with employer-based coverage while families with incomes below 200 percent of poverty represent the other 13.4 percent.

By Family Income for Children

• More than nine out of 10 (91.5 percent) of children in families with incomes above 400 percent have employer-based insurance; 79.3 percent of children in families from 200 to 399 percent of poverty have such coverage, and less than one-third (32.6 percent) of children in families below 200 percent of poverty have employer-based coverage.
• Children in families with income at or above 200 percent of poverty represent 81.1 percent of children with employer-based coverage while children in families with incomes below 200 percent of poverty represent the remaining 18.9 percent.

By Education

• Almost nine out of 10 (86.9 percent) of individuals in households where the head of the family has at least a bachelor's degree have employer-based coverage as compared to less than two-thirds (61.8 percent) of those in households with less than a bachelor's degree.
• Households headed by an individual with at least an associate degree constitute almost half of those with employer-based coverage.