Transcript Review of Trends in Minnesota Health Insurance Coverage Health Care Transformation Task Force September 17, 2007 Julie Sonier Director, Health Economics Program Minnesota Department of Health.

Review of Trends in Minnesota
Health Insurance Coverage
Health Care Transformation Task Force
September 17, 2007
Julie Sonier
Director, Health Economics Program
Minnesota Department of Health
Sources of Insurance in Minnesota, 2001
and 2004
80%
70%
68.4%
62.9%*
60%
50%
40%
30%
21.2%
25.1%*
20%
5.7% 7.4%*
4.7% 4.6%
10%
0%
Employer
Individual
2001
Source: 2001 and 2004 Minnesota Health Access Surveys
* Indicates a statistically significant difference from 2001.
Public
2004
Uninsured
Factors Contributing to a Decline in
Employer Coverage
 Lower share of population employed in 2004
vs 2001 (72.3% vs 75.0%)
 Changes in job characteristics. For example:
– Increase in temporary/seasonal jobs
– Smaller share of population working for very
large employers, where employer-based
coverage is more likely
 Decline in employer coverage was largely
the result of declining access, not take-up
Access to Employer Coverage: Offer, Eligibility,
and Take-up Rates, 2001 and 2004
Non-Elderly Minnesotans' Access to Employer-Based Insurance
97.7% 95.7%*
95.3% 95.0%
Of Those With Connection, %
Eligible
Of Those Eligible, % Enrolled
(Take-up)
100%
84.1%
80.3%*
80%
60%
40%
20%
0%
Connection to Employer Offering
Coverage
2001
*Indicates a statistically significant difference from 2001.
Source: 2001 and 2004 Minnesota Health Access Surveys
2004
Private Health Insurance: Enrollment in Large
Group, Small Group, and Individual Coverage,
2004
Individual
6.3%
Small Group
12.9%
Large Group
80.8%
Source: MDH Health Economics Program
Private Health Insurance: Enrollment in Fully
Insured and Self-Insured Plans, 1997 to 2005
Percent of Privately Insured Minnesotans with Fully-Insured vs
Self-Insured Plans
70%
60%
50%
40%
30%
20%
10%
0%
1997
1998
1999
2000
Fully Insured
Source: MDH Health Economics Program
2001
2002
2003
Self-Insured
2004
2005
Percent of Minnesota Businesses Offering
Health Insurance, by Firm Size, 2006
100%
91.9%*
80%
97.0%*
71.2%*
58.4%
60%
42.3%*
40%
20%
0%
Fewer than 10
10 to 49
50 to 199
200 or more
*Indicates a statistically significant difference (95% level) from the rate for all firm sizes
Source: preliminary results from 2006 Minnesota Employer Health Insurance Survey
All firm sizes
Percent of Minnesota Businesses Offering
Health Insurance, by Region, 2006
100%
80%
65.2%*
58.4%
60%
48.4%*
49.5%*
Northwest
Northeast
53.3%
40%
20%
0%
South
Twin Cities
*Indicates a statistically significant difference (95% level) from the statewide rate
Source: preliminary results from 2006 Minnesota Employer Health Insurance Survey
Statewide
Percent of Employees Working for a Firm
That Offers Health Insurance, by Firm Size,
2006
99.4%*
100%
91.9%
88.6%
75.6%*
80%
60%
44.5%*
40%
20%
0%
Fewer than 10
10 to 49
50 to 199
200 or more
*Indicates a statistically significant difference (95% level) from the rate for all firm sizes
Source: preliminary results from 2006 Minnesota Employer Health Insurance Survey
All firm sizes
Percent of Employees Working for a Firm
That Offers Health Insurance, by Region,
2006
100%
88.2%
85.4%
Northeast
South
80.8%*
90.4%
88.6%
Twin Cities
Statewide
80%
60%
40%
20%
0%
Northwest
*Indicates a statistically significant difference (95% level) from the statewide rate
Source: preliminary results from 2006 Minnesota Employer Health Insurance Survey
Trends in Minnesota Small Group Health
Insurance Enrollment, 1994 to 2006
600,000
500,000
400,000
300,000
200,000
100,000
0
1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006
Note: Fully Insured market only.
Source: MDH, Health Economics Program; estimates based on data from various sources.
Trends in Minnesota Individual Market
Enrollment, 1994 to 2006
300,000
250,000
200,000
150,000
100,000
50,000
0
1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006
Source: MDH, Health Economics Program; estimates based on data from various sources.
Sources of Insurance Coverage by Region,
2004
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100%
90%
80%
70%
60%
50%
40%
30%
20%
10%
0%
Group
Individual
Source: 2004 Minnesota Health Access Survey
Public
Uninsured