Montana Insurance

Montana has always at the bottom of the conditionality of the state and national comparisons of health insurance. Some current estimates indicate that 14 per cent throughout 19 percent of Montanans have no health insurance.

In winter 2003, the Montana Department of Health and Human Services and the University of Montana’s Bureau of Business and Economic Research has conducted two surveys designed to help fill critical gaps in the state, knowledge is not assured of its population .

The Household Survey Montana Montana and the employer survey were then reinforced by a series of interviews with 30 “key informants” national - health care, clinics and hospitals administrators, businessmen, farmers, cattle ranchers, Insurance executives, community leaders and encourages, are in touch with Montanans, are not insured or high risk of being unversichert.

At the time of the survey, 19 percent of Montanans, around 173000 people, has been ensured. Slightly more than half (51 percent) of respondents had an employer-based health insurance. Health individual insurance policies 9 per cent of the population covered by the state. And Medicaid and the Children’s Health Insurance Program (CHIP) 6 per cent, part of which has been lowered, something that people have been counted, Dual-Joined in Medicare and Medicaid.

Finally, 15 percent of Montanans were insured under Medicare. Unversichert rates for non-elderly are a more accurate measure for health insurance gap in Montana, because almost all 65 and older, health insurance by disease (Figure 1).

Montana’s uninsured rate is higher if the elderly, sick, the sample of the population and numbers. Twenty-two per cent of non-Montana’s older population has no health insurance - public or private. The employers’ insurance covers 58 percent of Montanans under 65, compared to the national average of 67 per cent. Individual health insurance is 10 percent in Montana, compared with a national rate of 7 per cent. Medicaid and the chip account for 10 percent of the state of non-coverage health of the elderly.

Health insurance by age shows considerable differences between younger and older Montanans (Figure 2). Thirty-nine percent of youth between 19 and 25 years have no health insurance. Montanans 26 to 49 years are not guaranteed a rate of 24 per cent, while 14 percent of people aged between 50 and 64 have no coverage. Children - 18 and under - not having secured a rate of 17 per cent among the highest in the nation.

Sources insurance based on age. Fifty-seven percent of children aged 18 years and are under the protection of insurance by employers, primarily on the basis of his parents, employment. More than 16 percent of children between 18 and Montana obtain health coverage or Medicaid chip, one of the highest coverage rate of all age groups.

Budget income levels are an important factor for health coverage. As might be expected, the decline in household income have higher uninsurance. More than 43 percent of Montanans in households with income less than 2002 of the Confederation poverty threshold ($ 18100 for a family of four people) have no health insurance. Name: Montanans live in households with incomes more than twice as high as the poverty line, a relatively low rate of uninsured is 13 percent.

A number of policyholders are not less, racial, geographical variations and employment in the health sector coverage.