FRAMING THE TARGET POPULATION: Considering Regional Differences

1
FRAMING THE TARGET POPULATIONConsidering
Regional Differences

• Starting Point
  The Uninsured in the
  Employer Group Market
• Further Possible Delimiters
• Employee Characteristics
• INCOME
• AGE
• EDUCATION
• HEALTH STATUS
• Employer Characteristics
• SIZE OF BUSINESS
• INDUSTRY SECTOR

2
FRAMING THE TARGET POPULATIONConsidering
Regional Differences INCOME

• HOUSEHOLD INCOME Percent Uninsured at 200 or
  below FPL
• Northwestern (Region One) 63
• Northern (Region Two) 35
• Southwestern (Region Three) 83
• Central (Region Four) 66
• Eastern (Region Five) 37
• STATEWIDE 83
• Certain subgroups have too few observations to
  make fully reliable estimates.

3
FRAMING THE TARGET POPULATIONConsidering
Regional Differences INCOME

• EMPLOYEE INCOME Insurance Offer Rates (as of
  FPL)
• lt100 151-200
• Northwestern (Region One) 30
• Northern (Region Two) 54
• Southwestern (Region Three) 47 78
• Central (Region Four) 84 50
• Eastern (Region Five) 34 36
• STATEWIDE 40 64
• Certain subgroups have too few observations to
  make fully reliable estimates.

4
FRAMING THE TARGET POPULATIONConsidering
Regional Differences AGE

• Percent Uninsured by Age
• 19-34 yrs 35-64 yrs
• Northwestern (Region One) 12 18
• Northern (Region Two) 36 8
• Southwestern (Region Three) 37 19
• Central (Region Four) 68 22
• Eastern (Region Five) 33 17
• STATEWIDE 40 16
• Certain subgroups have too few observations to
  make fully reliable estimates.

5
FRAMING THE TARGET POPULATIONConsidering
Regional Differences INCOME and AGE

• Percent Uninsured at 200 or below FPL by Age
• 0-18 yrs 19-64 yrs
• Northwestern (Region One) 16 30
• Northern (Region Two) 30
• Southwestern (Region Three) 18 25
• Central (Region Four) 8 38
• Eastern (Region Five) 8 23
• STATEWIDE 12 28
• Certain subgroups have too few observations to
  make fully reliable estimates.

6
FRAMING THE TARGET POPULATIONConsidering
Regional Differences HEALTH STATUS

• HEALTH STATUS Percent Uninsured with Fair or
  Poor Health
• Northwestern (Region One) 10
• Northern (Region Two) 14
• Southwestern (Region Three) 24
• Central (Region Four) 26
• Eastern (Region Five) 26
• STATEWIDE 30
• Certain subgroups have too few observations to
  make fully reliable estimates.

7
FRAMING THE TARGET POPULATIONConsidering
Regional Differences EDUCATION

• EDUCATION LEVEL Percent Uninsured with less
  than High School Education
• Northwestern (Region One) 21
• Northern (Region Two)
• Southwestern (Region Three) 18
• Central (Region Four) 18
• Eastern (Region Five) 19
• STATEWIDE 23
• Certain subgroups have too few observations to
  make fully reliable estimates.

8
FRAMING THE TARGET POPULATIONConsidering
Regional Differences BUSINESS SIZE

• EMPLOYER SIZE Insurance Offer Rates
• lt 50 employees 51gt employees
• Northwestern (Region One) 46 79
• Northern (Region Two) 49 85
• Southwestern (Region Three) 46 87
• Central (Region Four) 45 78
• Eastern (Region Five) 43 67

9
FRAMING THE TARGET POPULATIONConsidering
Regional Differences INDUSTRY SECTOR

• INDUSTRY SECTOR Insurance Offer Rates of
  Selected Sectors
• Retail Construction
• Northwestern (Region One) 52
• Northern (Region Two) 67
• Southwestern (Region Three) 57 47
• Central (Region Four) 54 65
• Eastern (Region Five) 56 80
• STATEWIDE 57 63
• Certain subgroups have too few observations to
  make fully reliable estimates.

10
FRAMING THE TARGET POPULATIONConsidering
Regional Differences INDUSTRY SECTOR

• INDUSTRY SECTOR Small Employers in Selected
  Sectors
• Retail-Trade Construction
• Northwestern (Region One) 16 16
• Northern (Region Two) 10 9
• Southwestern (Region Three) 17 13
• Central (Region Four) 14 13
• Eastern (Region Five) 16 14