Health Reform WK-EDGE 2016 health insurance coverage trends for persons of all ages
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Friday, November 11, 2016

2016 health insurance coverage trends for persons of all ages

By Susan Smith, J.D., M.A.

In the first six months of 2016, 28.4 million (8.9 percent) of persons of all ages were uninsured at the time of the National Health Interview Survey conducted by the National Center for Health Insurance Statistics (NCHS). This number represents a decrease of 0.2 percentage points from the uninsured rate of 9.1 percent insured in 2015. In 2010, 20.2 million more persons of all ages were uninsured. The NCHS report includes selected estimates of health insurance coverage for the civilian noninstitutionalized U.S. population from January through June of 2016 based on data from the survey and comparable estimates from previous calendar years. In addition to insured and uninsured data, estimates provide data on public and private coverage, coverage through exchanges, and enrollment in high-deductible plans and consumer-directed health plans. In addition, tables provide estimates by selected demographics.

Percent of uninsured. At the time of the interview, findings for the first six months of 2016 related to age groups include:

  • Among adults aged 18-64, 12.4 percent were uninsured; the percentage of adults with private coverage through the health insurance marketplace or state-based exchange has not changed significantly, basically remaining at 4.8 percent.
  • Among children aged 0–17, 5 percent were uninsured.

Trends. From 2013 to 2016, increases were seen in both public and private coverage among adults aged 18–64. From 2011 through the first six months of 2016, public coverage for children ranged between 41 to 42.7 percent. Increases in private coverage for children from 2011 (53.3 percent) through the first six months of 2016 (53.9 percent) was not significant.

In the first six months of 2016, adults aged 25-34 were almost twice as likely to lack health insurance as adults aged 45-64. The rates of uninsurance remained relatively stable from 2010 to 2013, however, for all age groups, the percentage of uninsured decreased significantly from 2013 through the first six months of 2016. The rates of uninsurance did not significantly change from 2015 and the first six months of 2016.

Among persons under age 65 with private insurance enrolled in a high deductible plan, the percentage increased from 25.3 percent in 2010, to 36.7 percent in 2015, and 38.8 percent the first six months of 2016.

Private exchange coverage. Among persons under age 65, 65 percent (175.7 million) were covered by private health insurance plans in the first six months of 2015. This includes 4.1 percent (11 million) covered by private plans obtained through the health insurance marketplace or state-based exchanges. Changes between overage in 2015 and 2016 are insignificant.

Among adults aged 18–64, 69.2 percent (136.1 million) were covered by private health insurance plans in the first six months of 2016, including 4.7 percent covered by health insurance plans obtained through the health insurance marketplace or state-based exchange. A significant increase of adults aged 18-64 covered by exchanges occurred from the fourth quarter of 2015, in which 3.9 percent (7.8 million) of adults were covered, to 4.8 percent (9.4 million) in the second quarter of 2016.

Among children aged 0-17, 53.9 percent (39.7 million) were covered by private health insurance at the time of the 2016 interview, including children in plans though the health insurance marketplace or state-based exchanges.

Coverage by Medicaid expansion. From January through June 2016, adults aged 18-64 residing in Medicaid expansion states were less likely to be uninsured than those residing in nonexpansion states. In Medicaid expansion states, the percentage of uninsured adults decreased from 18.4 percent in 2013 to 9.4 percent in the first six months of 2016. In nonexpansion states, the percentage of uninsured adults decreased from 22.7 percent in 2013 to 17.5 percent in the first six months of 2015.

IndustryNews: NewsStory NewsFeed EnrollmentNews HealthInsuranceExchangeNews MedicaidExpansionNews CHIPNews

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