Despite marginal improvements in job-based health insurance for adults and public program enrollment for children, one in five (6.5 million) Californians remain uninsured. Using data from the 2005 California Health Interview Survey (CHIS) -- as well as data from CHIS 2003 and CHIS 2001 -- researchers were able to identify how changes in employment-based coverage and public programs effected un-insurance rates for California's adult and child populations. The study shows that the percentage of adults who received health insurance through their employers increased to 56.2 percent in 2005, up from 55.1 percent in 2003. The authors credit the state's current tight labor market for this increase, but note that this figure is still behind the 2001 level of 57 percent. Moreover, they note that this improvement is unlikely to continue given the instability of employment-based insurance in the face of dramatically rising costs. The percentage of children without insurance for all or part of the year was statistically unchanged from 11.3 percent in 2003 to 10.7 percent in 2005, although the percentage was significantly lower than the rate in 2001 (14.8 percent). Researchers attribute this decline in the uninsured rate to recent expansions of children's enrollment and retention in public insurance programs, which is more than compensating for a decline since 2001 in the percentage of children being insured through their parents' employer.
This report from the UCLA Center for Health Policy Research shows that job-based health insurance coverage -- the backbone of the state's system of health insurance – continues to decline. More than 6.5 million Californians under age 65 (more than one in five nonelderly residents) went without insurance for at least part of 2005. Even with the strong economic recovery, employment-based coverage of the nonelderly population as a whole fell from 56.4% in 2001 to 54.3% in 2005. Expanding enrollment of children in Medi-Cal and Healthy Families more than offset children’s loss of employment-based insurance between 2001 and 2005. Nearly one in three California children is now covered by Medi-Cal or Healthy Families (30.9%). Other findings from the report include: The erosion of job-based insurance is most severe for low- and moderate-income adults, but they lack the safety net that helps many children. The uninsured have more health problems than the insured, but get less health care, including preventive screenings and treatment for chronic conditions. Three-fourths of uninsured employees worked for a firm that does not offer coverage at all or were not eligible for their employer’s health plan. Lack of access to affordable health insurance is the main obstacle to coverage for working families and individuals.
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