The persistent gap in health-care coverage between low- and high-income workers in Washington State: BRFSS, 2003-2007

Objectives

We examined the disparities in health-care coverage between low- and high-income workers in Washington State (WA) to provide support for possible policy decisions for uninsured workers.

Methods

We examined data from the WA Behavioral Risk Factor Surveillance System 2003–2007 and compared workers aged 18–64 years of low income (annual household income <$35,000) and high income (annual household income ≥$35,000) on proportions and sources of health-care coverage. We conducted multivariable logistic regression analyses on factors that were associated with the uninsured.

Results

Of the 54,536 survey respondents who were working-age adults in WA, 13,922 (25.5%) were low-income workers. The proportions of uninsured were 38.2% for low-income workers and 6.3% for high-income workers. While employment-based health benefits remained a dominant source of health insurance coverage, they covered only 40.2% of low-income workers relative to 81.5% of high-income workers. Besides income, workers were more likely to be uninsured if they were younger; male; Hispanic; less educated; not married; current smokers; self-employed; or employed in agriculture/forestry/fisheries, construction, and retail. More low-income workers (28.7%) reported cost as an issue in paying for health services than did their high-income counterparts (6.7%).

Conclusion

A persistent gap in health-care coverage exists between low- and high-income workers. The identified characteristics of these workers can be used to implement policies to expand health insurance coverage.Socioeconomic disparities in health and health care have increased since the 1990s.^1–3 In the U.S., while employment-based insurance is the major source of paying for health care,^4,5 the increase in health insurance premiums has outpaced workers'' earnings and inflation rates. The average cost of health insurance rose 9.6% annually from 2003 to 2007, a rate that was much higher than the overall rate of inflation (2.8%) or the increase in workers'' earnings (2.9%) during the same time period (author calculation based on a 2007 report by the Kaiser Family Foundation⁴). Rising costs impose a greater burden on low-income workers than their higher-income counterparts because low-income workers are less likely to work for a company that offers health insurance coverage.^5–9 Without employer-sponsored health insurance, few low-income workers are able to afford private coverage on their own.^7,10 Further, most of these low-income workers are ineligible for public health insurance programs.^6,10,11 This ineligibility is because in most states, income eligibility is lower for parents than for children and for those adults without dependent children.¹⁰Many factors affect the likelihood of an individual having health insurance and the source of that coverage. Work status and income play a dominant role in determining an individual''s likelihood of having health insurance.^5,7–9,12 Uninsured workers were found disproportionately in the agriculture, construction, and trade industries,^5,8,9,13 and in the farming, operators/fabricators/labors, and services sectors.^8,9 Uninsured workers also were more likely to be self-employed,^8,14 to work for small firms,^{5,7–9,13,15,16} and to be employed as part-time or temporary workers.^5,14,17,18 Socioeconomic characteristics related to lack of health-care coverage include being male, younger, from a racial/ethnic minority group, less educated, and in a low-wage or low-income job.^5,8,12,14,19 Consequently, uninsured workers were less likely to have a usual source of care and receive timely preventive services, and more likely to experience a decline in overall health.^{7,9,12,20–22}Although national uninsured trends are well documented, published work concurrently considering workers'' socioeconomics, industry, and occupation characteristics in Washington State (WA) is lacking. In an effort to expand the current knowledge on uninsured workers in WA and provide support for possible policy decisions, we conducted a multivariate analysis on health-care coverage comparing low-income workers with high-income workers by pooling the five-year WA Behavioral Risk Factor Surveillance System (BRFSS) data. Because most of the uninsured come from working families and have low incomes,^4,6,10 we identified characteristics of workers who did not have health-care coverage and examined how low-income workers have fared in health-related outcomes. The analysis presents trends, examines multiple factors that affect health insurance coverage, and discusses policy implications. We hypothesized that even after controlling the multiple factors associated with being uninsured, less health-care coverage and increased health-care costs would impose a greater burden for low-income workers and families.