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Michigan Health Insurance Coverage Trends

Michigan Trends

Using only annual data, the percent of the non-elderly population without health insurance declined in Michigan from 12.7 percent to 11.9 percent, a continuing downward trend since 2004. The national trend showed a slight increase of .2 percent. The proportion of residents without health insurance coverage in Michigan has been consistently lower than the national average since 1987, the first year when comparable data were made available.

Michigan children are two and a half times less likely to be uninsured than other children throughout the United States. Of Michigan's almost 2.5 million children, 4.7 percent were without health insurance in 2006, continuing a downward trend from a high of 10.7 percent in 1998. For the past three years Michigan has realized a continued downward trend in rates of uninsurance for children, while the national average is rising.

Individually purchased health insurance has historically made up a small, but fairly steady percentage of health insurance coverage both in Michigan and nationally. Due in part to strong employer-based coverage, Michigan generally has a smaller percentage of residents with individually purchased coverage than in the rest of the nation.

According to the Michigan State Planning Project for the Uninsured 2005 Household Health Insurance Survey, the major reasons why individuals lack health insurance coverage are because coverage is too expensive (35.4 percent), they lost or left a job that had coverage (28.0 percent), or they became ineligible for their coverage (19.7 percent).

The incidence of employer-based health insurance in Michigan (69.2 percent) is above the national average (62.5 percent); this accounts in large part for the fact that Michigan has a 5.3 percent lower rate of uninsurance than the rest of the nation since other types of coverage are fairly comparable.