More Facts Regarding Those Receiving Employer-Based Health Insurance in Michigan

By Family Type

• Families headed by married couples are much more likely to have employer-based coverage, with a rate of 81.7 percent, than families headed by a single adult whose rate is 44.6 percent.
• More than three-quarters of families with employer-based coverage are married, while families with a single adult represent only 21.6 percent of those with employer-based insurance, but one-third of the population.

By Location

• Rural and urban residents are similarly likely to have employer-based insurance with rates of 69.6 percent and 69.2 percent respectively.
• Urban residents represent 84.6 percent of the population with employer-based coverage, while rural residents represent 15.4 percent.

By Work Status

• Families headed by a full-time worker are much more likely to have employer-based coverage, with a rate of 81.4 percent, than those headed by a part-time worker whose rate is 48.7 percent.
• Full-time workers and their families represent 84.3 percent of Michiganians with employer-based coverage, while part-time and seasonal workers and their families represent 11.4 percent; the remaining 4.2 percent are from households headed by a non-worker.

By Private Sector Firm Size

• Approximately three-quarters (77.4 percent) of individuals in families headed by a worker in the private sector have employer-based insurance, while 86.3 percent those in the public sector and 46.2 percent of the self-employed have such coverage. By and large, families of workers in larger firms are more likely to have employer-based coverage than those in smaller firms ranging from 52.4 percent for firms with less than 10 employees to 83.8 percent for firms with at least 1000 employees.
• More than three-quarters (76.4 percent) of those with employer-based coverage have a head of household who works in the private sector, 13.6 percent in the public sector, and 5.9 percent are self-employed. Almost half (46.3 percent) of families with employer-based insurance are headed by workers at private firms with at least 1000 workers.

By Industry

• Families headed by workers in mining, manufacturing, finance/insurance/real estate, and transportation all have employer-based insurance rates above 80 percent. Individuals in families headed by workers in agriculture and services have employee-based coverage rates of less than 70 percent.
• More than one-third (36.8 percent) of individuals in households headed by a worker in a private firm are in the manufacturing sector.

Source: CPS Data Files (2004-2006), Employee Benefit Research Institute.