Urban-rural differences in employer-based health insurance coverage of workers

by Andrew Coburn, Elizabeth Kilbreth, Stephen H Long, M. Susan Marquis

Purchase Print Copy

 FormatList Price
Add to Cart Paperback13 pages Free

Prior research indicates that rural workers are less likely than urban workers to obtain health insurance coverage through their employers. The reasons for this differential in coverage rates are not well understood. This study uses data from the 1993 Robert Wood Johnson Foundation Employer Health Insurance Survey to measure differences in the proportion of rural and urban workers who are offered insurance coverage, in their participation rates in offered plans, to assess the effects of firm size, wages, and other factors in explaining residential differences. Offer rates and participation rates are both lower in rural areas, but the probability of employer-based coverage among rural workers rises to that of urban workers when rural firm size and wages are adjusted to urban levels. Rural firms and workers are not behaviorally different from urban firms and workers--just at a greater disadvantage because of their smaller size and lower wages

Originally published in: Medical Care Research and Review, v. 55, no. 4, pp. 484-496.

This report is part of the RAND Corporation reprint series. The Reprint was a product of the RAND Corporation from 1992 to 2011 that represented previously published journal articles, book chapters, and reports with the permission of the publisher. RAND reprints were formally reviewed in accordance with the publisher's editorial policy and compliant with RAND's rigorous quality assurance standards for quality and objectivity. For select current RAND journal articles, see External Publications.

The RAND Corporation is a nonprofit institution that helps improve policy and decisionmaking through research and analysis. RAND's publications do not necessarily reflect the opinions of its research clients and sponsors.