Facts About Those with Individual Michgian Health Insurance Coverage

Quick Facts on Individually Purchased Coverage in Michigan Non-elderly, 2004-2006 Average

By Age

• Only 5.4 percent of adults and 8.8 percent of children have individually purchased health insurance.
• Almost two-thirds (60.7 percent) of Michiganians with individually purchased coverage are adults, the other 39.3 percent are children.

By Race and Ethnicity

• Rates for individually purchased health insurance are similarly low for all races, with 5.4 percent of Hispanics and Blacks having such coverage, as do 6.8 percent of Whites.
• Whites represent the majority (81.4 percent) of the population with individually purchased coverage, while Blacks represent 12.3 percent, Hispanics represent 3.3 percent and other minorities represent 3.0 percent.

By Gender

• Rates for adult males and females for individually purchased coverage are similar with rates of 5.4 percent and 5.5 percent respectively.
• Adult females represent slightly more than half of adults with individually purchased coverage, while adult males represent 48.5 percent.

By Family Income

• Only 5.0 percent of families with incomes at or above 200 percent of poverty have individually purchased coverage, while 9.7 percent of families with incomes below 200 percent of poverty have such insurance.
• Families with incomes at or above 200 percent of poverty represent 56 percent of families with individually purchased coverage, while families with incomes below 200 percent of poverty represent 44 percent.

By Family Income for Children

• Children in families with incomes below 200 percent of poverty are more likely to have individually purchased coverage than children in families with incomes above 200 percent of poverty, with rates for private coverage of 6.7 percent for children in homes below 100 percent of poverty, 5.8 percent for children in homes with income between 200 and 399 percent of poverty, and 3.1 percent for children in homes above 400 percent of poverty.
• More than half (55.9 percent) of children with individually purchased coverage are in families with incomes below 200 percent of poverty; the remaining 44.1 percent are in families with incomes at or above 200 percent.

By Education

• Rates for individually purchased health insurance are similar for all families regardless of educational attainment of the head of household, with households in which the family head has less than a bachelor's degree having a rate of 6.9 percent and households in which the head has at least a bachelor's degree having a rate of 5.3 percent.
• Three-quarters of households with individually purchased coverage have a head of household with less than a bachelor's degree; the other quarter are headed by an individual with least a bachelor's degree.