Health Insurance

Single Women are Twice As Likely to be Uninsured Compared to Married Females

Health insurance coverage for women is extremely important. Women with health coverage are significantly more likely to receive needed care for preventative and primary care services that are crucial to women’s health. But, 8% of females still do not have health insurance coverage in the United States.
Blood pressure check.

Generally, insured rates for women are higher compared to men. However, when breaking down the female population, select groups still face the daunting challenge of not having health insurance. ValuePenguin decided to explore these disparities within women’s health care to illuminate where change can be made and improve awareness of the issue.

Uninsured rates for women by state

Generally, women are less likely to be uninsured than men — only 8% of women and 11% of men have no health insurance coverage. This is a positive sign since women on average will interact with the health care system on a more regular basis. Not only do women have greater needs in respect to reproductive care, but they are also often their families’ primary caregivers and thus may be coordinating care for more than themselves.

Single women in Texas have the highest uninsured rates in the nation at over 26%

A closer examination shows that single women in general are more likely to be uninsured compared to married women — 12% and 6%, respectively. Other states that have significantly higher rates of uninsured single women include, Oklahoma (22%), Florida (21%), Georgia (21%) and Mississippi (21%).

Large rates of uninsured single women are concerning, as uninsured women often have inadequate access to health care and may receive a lower standard of care, which can lead to poorer health outcomes.

On the other hand, 94% of women who are married are covered by some form of health insurance. This could include group health insurance either from the woman's or spouse’s job, individual marketplace coverage and Medicaid or Medicare.

Education attainment plays a significant role in determining uninsured rates

Specifically, women who have the most college experience have the lowest uninsured rates compared to other education levels.

A closer examination shows that the more education you attain, the lower your likelihood of being uninsured. Specifically, individuals with over five years of college education have the lowest uninsured rate, at slightly over 2%. Conversely, the uninsured rate skyrockets to over 16% among those with no schooling.

As with the uninsured rate for single women, individuals with over five years of education still had an above-average uninsured rate in Texas: 5%.

Young women (Gen Z and millenials) are over 2.5 times more likely to be uninsured when compared to older women

As expected, with almost every increase in age group, the uninsured rate continues to fall closer to 0%. Interestingly, the uninsured rate among millennial women is close to 2% higher than that of Gen Z women: 10% and 12%, respectively. Women of the Silent Generation have a near-perfect insured rate of 99.6%.

Methodology

ValuePenguin utilized data from the American Community Survey (ACS) for the 2018 survey year to compile the information found above. Specifically, information regarding insurance rates were combined with income, marital status and education attainment to understand how these variables may affect the overall insured rate for women.

Sterling Price

Sterling Price is a research analyst at ValuePenguin specializing in health and life insurance. He graduated from Syracuse University with a bachelors degree in Finance and Accounting and has previous experience as a licensed life insurance representative.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.