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Health Insurance Rates Lowest In Texas

Armen Hareyan's picture

Health insurance study shows that Texas has the highest rates of uninsured. Hispanics in Texas are less likely to be covered than blacks and whites. In other words health insurance is less affordable for Hispanics.

The first ever study from U.S. Census Bureau looked at health insurance rates in very details for 2005. Data was analysed and broken down by state, race to show the exact situation in all states.

Researchers found that Texas residents are less likely to be insured compared with all other states. One in four Florida, Texas, and New Mexico residents were uninsured in 2005, compared with only one in 10 of Minnesota and Hawaii residents.

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When comparing health insurance rates by states, Texas comes the last with 26.3% of residents younger than 65% having no insurance, New Mexico comes after Texas with 24.2% uninsured residents, and Florida comes after New Mexico with 24.0%. Among the states with lowest percentage of uninsured residents appears Iowa with 10.4% uninsured, Wisconsin with 10.3%, Hawaii with 9.7%, and Minnesota with 9.5%, which has the lowest rates of residents with no health coverage.

According to health insurance rates for races Florida had the highest number of blacks with no insurance - 26.7%, Louisiana and Mississippi had 25% uninsured blacks. Oklahoma had the highest number of white residents with no insurance - 18.2%, while Hawaii had only 7.4% uninsured white residents and 11.4% blacks. Hispanics were found to be less likely to be covered than blacks and whites: Texas had 40.5% uninsured Hispanic residents, compared with 24.3% black and 15.8% white residents, while Florida, Louisiana, Mississippi, Montana, Oklahoma, Oregon, and South Carolina also had the highest rates of uninsured Hispanics - 40%.

"It's a number, I think, that is way too high," said David S. Lopez, CEO of the Harris County Hospital District, the safety net for the people without health insurance. "There are two growing populations: the medically indigent and the individuals who are working and their employers no longer provide insurance."

It could be that the numbers of those for whom the health insurance coverage is not affordable is because of the fact that Texas has a very high number of immigrant population. These people are new in the country. They have low paying jobs and can't afford health insurance.

Overall, US had 1 in 6 residents younger than 65 with no health insurance coverage at all. And it is not a matter of unemployment, because about 80% of those with no insurance had a full time worker in a family. This means that even those who work are unable to afford health coverage.