Current Health Insurance

Parents were asked if their child currently had any kind of health insurance, including private/employment-based insurance or government plans such as Medicaid or CHIP. Overall, 94.5 percent of children had health insurance coverage at the time of the survey: 57.4 percent had private health insurance coverage, 37.1 percent had public coverage, and 5.6 percent were uninsured (data not shown). The percentage of children with some type of insurance did not vary significantly by location; however, the types of insurance reported did vary. Children in rural areas were more likely than urban children to have insurance through public or government programs: approximately 45 percent of children in both large and small rural areas had public insurance, compared to 34.9 percent of urban children. Children in urban areas were most likely to have private insurance (59.8 percent), followed by those in large rural areas (50.1 percent), while children in small rural areas were least likely to have private insurance (47.0 percent).

In urban and large rural areas, children with the lowest household incomes were the less likely to have health insurance than their peers in the highest income categories. For instance, 95.3 percent of children in large rural areas with household incomes below 100 percent of the Federal Poverty Level (FPL) had current health insurance, compared to 98.2 percent of those with household incomes of 400 percent or more of the FPL. Among children with incomes below 100 percent of the FPL, children in small and large rural areas were significantly more likely to have health insurance than those in urban areas (94.7 and 95.3 versus 91.2 percent, respectively).

Regardless of location, Hispanic children were significantly less likely than non-Hispanic White and non-Hispanic Black children to have current health insurance. Generally, the percentage of children with insurance in each racial and ethnic group did not vary by location.

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