Posted October 30, 2015.

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1
Enroll America Uninsured
Landscape Findings for 2015
October 30, 2015

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2
Overview
1. National Uninsured Rates and Trends
2. State Uninsured Rates and Trends
3. Demographic Trends
4. Where the Uninsured are Located

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3
NATIONAL UNINSURED RATE

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4
National Uninsured
Rates
16.4
11.3
10.7
0
2
4
6
8
10
12
14
16
18
2013 2014 2015
EA national
uninsured rate
Nationally, uninsured rates have decreased over time. In 2015, the modeled
uninsured rate continues to decrease, but the decline has slowed.

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5
Estimates of National
Uninsured Rates
12.6
11.4
10.7
10.1
0
2
4
6
8
10
12
14
ASPE, Q3 2015 Gallup, Q2 2015 Enroll America 2015 Urban Institute, March 2015
2015NationalUninsuredRate
Enroll America’s national uninsured estimate sits between other public estimates.

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6
STATE UNINSURED RATES
AND TRENDS

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Change in Statewide
Uninsured Rates
Between 2013 and 2014, uninsured rates decreased in every state.
-12
-10
-8
-6
-4
-2
0
2
4
AZ
NV
AK
NM
MS
FL
OK
TX
WY
MT
CO
WV
AR
MO
CA
NC
TN
ND
OH
OR
SD
WA
KS
ID
AL
MD
KY
SC
RI
MN
DE
MA
NH
IL
UT
NJ
GA
LA
ME
HI
MI
VT
CT
WI
IA
NE
DC
NY
VA
IN
PA
ChangeinUninsuredRate

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8
Change in Statewide
Uninsured Rates
Between 2014 and 2015, the story looks different.
-12
-10
-8
-6
-4
-2
0
2
4
AZ
NV
AK
NM
MS
FL
OK
TX
WY
MT
CO
WV
AR
MO
CA
NC
TN
ND
OH
OR
SD
WA
KS
ID
AL
MD
KY
SC
RI
MN
DE
MA
NH
IL
UT
NJ
GA
LA
ME
HI
MI
VT
CT
WI
IA
NE
DC
NY
VA
IN
PA
ChangeinUninsuredRate
Change 2013 to 2014 Change 2014 to 2015

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9
Change in Uninsured Rates
by County, 2013-2015
-14% -10% -6% -2%
No
change +2% +6%
More
insured
Less
insured

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10
Possible Factors Contributing to State-
Level Changes from 2014 to 2015
We don’t know exactly what factors are causing the divergence between the states whose
uninsured rate continued to decline in 2015, and those where the rate stayed the same or grew,
but our early analyses indicates these factors are likely playing a role:
• Demographics: Many states with increases in uninsured rates also have populations with:
• High proportions of Latinos
• High proportions of foreign born residents
• High poverty rates
• Migration: Many of the states with the highest number of inbound moves (per the 2014
Movers Study from United Van Lines / UCLA) also saw increases in their uninsured rate,
including NC (#3), FL (#5), NV (#6), TX (#7) and OK (#9).
• Lower Effectuated Enrollments: In some states, large drops from the number of people who
selected plans to the number with effectuated coverage suggest that retention – and health
insurance literacy – may be a problem.
NOTE: We also looked at state unemployment rates, age, and premium fluctuations, but didn’t
find strong correlations.

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11
DEMOGRAPHIC TRENDS

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Uninsured Rates by
Gender over time
The gender gap between men and women has narrowed: the uninsured
rate is 10.0% for women and 11.4% for men, the smallest gap since 2013.
0
2
4
6
8
10
12
14
16
18
20
Male Female
UninsuredRate
Estimated Uninsured 2013 Estimated Uninsured 2014 Estimated Uninsured 2015

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13
Uninsured Rates by Age
over time
The uninsured rate for young adults aged 18 to 35 continues to be higher
than the national average.
0
5
10
15
20
25
Estimated Uninsured 2013 Estimated Uninsured 2014 Estimated Uninsured 2015
18 - 34
35 - 44
45 - 54
55 - 64

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14
Young Adult Uninsured
Rates by County, 2015
Young Adults (18-34)
5% 10% 15% 20%0%

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15
Metro and Non-Metro
Areas - Uninsured Rates
Across all demographic groups, the uninsured rate is higher in non-
metropolitan counties. The disparity is worst for African-Americans.
23.5
15.7
14.4
28.1
19.3 19.1
2013 2014 2015
African-Americans
4.7 percentage points
difference between
metro and non-metro
16.0
11.1
10.3
19.4
13.0 12.9
0
5
10
15
20
25
30
35
2013 2014 2015
Total
Metro Non-metro
2.6 percentage points
difference between
metro and non-metro
Uninsured
Rate

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16
Uninsured Rates
By Income
Uninsured rates based on Census American Community Survey median income
0
5
10
15
20
25
30
$99,891$64,509$50,668$40,316$27,058
Uninsured
rate
Quintiles: Median Household Income in Census Tract
2015
2014
2013

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17
WHERE THE UNINSURED ARE
LOCATED

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18
Metro and Non-Metro Areas
– Uninsured Concentration
Half of the uninsured are located in 5% of counties, all of which are in large metro
areas.
Metro,
83%
Small
metro,
15%
Rural,
2%

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19
Uninsured Rates by
County, 2015
5% 10% 15% 20%0%
Half of the uninsured are in 8 states: Texas, California, Florida, North Carolina, Georgia,
New York, Ohio, Pennsylvania