Year of Publication



Martin School of Public Policy and Administration

Executive Summary

Objectives: The analysis in this paper is designed to find out what factors contributed to the change of uninsured rate of people aged between 18 and 65 from 2003 to 2010.

Method: A fixed-effect analysis with panel data is conducted. The analysis unit is state. The main independent variable is the private health insurance cost per enrollee per year. The private insurance cost data covered 34 states sampled in Medical Expenditure Panel Survey from 2003 to 2010.

Key finding: The private insurance cost per enrolled adult below 65, private insurance cost per enrolled adult below 65 as a proportion of median income and Medicare coverage for adults below 65 do not have a statistically significant effects on uninsured rate. Adults receiving lower income and being unemployed tend to be uninsured. The effect of Medicaid coverage on reducing uninsured rate is modest but statistically significant.