Essential Workers Have a 13% Uninsured Rate

QuoteWizard®, a LendingTree company, and one of the nation’s leading online insurance marketplaces released a report on states around the country where essential workers could face the greatest risk are those with a high rate of essential workforce and states that lack employer-sponsored health insurance.

The work environments during the pandemic have been extremely risky for the essential workforce.

The essential workers putting themselves on the frontlines are considered heroes by many for keeping the country running in hard times. Unfortunately, it’s essential workers that are disproportionately under-insured and underpaid than non-essential workers.

Key Findings:

  • Essential workers have an uninsured rate of 13% compared to 8% of non-essential workers.
  • Nationally, 84% of employers offer health insurance coverage.
  • Thirty-five percent of essential workers have had work hours reduced or limited from the pandemic compared to 24% of non-essential workers.
  • Fifty percent of essential workers can’t afford a $500 unexpected medical bill, compared to 69% of non-essential workers.
  • Restaurant, construction and home health industries have the highest rates of uninsured workers and low wage jobs.

Methodology
QuoteWizard analyzed State Health Access Data Assistance Center data on the percentage of employers offering health insurance for workers in each state.

We then paired that data with United Way’s rate of essential workers in each state.

Our analysis aimed at finding which states have the highest rate of essential workers and how likely that state is to provide health insurance for workers.

Rank

Location

% Employer Health Coverage

% Essential Workers

1

Montana

70.6%

46.4%

2

Wyoming

71.6%

53.5%

3

Alaska

75.0%

45.0%

4

Vermont

76.8%

45.3%

5

Idaho

77.0%

43.2%

6

New Mexico

77.1%

42.8%

7

Maine

80.1%

44.6%

8

Utah

81.2%

44.6%

9

Colorado

81.7%

42.6%

10

North Carolina

82.2%

46.0%

11

Oregon

82.3%

46.0%

12

Arkansas

83.1%

49.6%

13

Mississippi

83.2%

48.8%

14

Wisconsin

83.5%

50.1%

15

Florida

83.6%

40.0%

16

South Dakota

83.7%

50.4%

17

Nebraska

83.7%

49.4%

18

Washington

83.7%

42.4%

19

Michigan

83.8%

47.0%

20

Louisiana

84.1%

48.9%

21

West Virginia

84.1%

47.7%

22

Indiana

84.3%

51.8%

23

Oklahoma

84.5%

46.5%

24

California

84.6%

43.5%

25

Minnesota

85.1%

46.0%

26

Rhode Island

85.1%

41.1%

27

Georgia

85.2%

45.0%

28

Kentucky

85.5%

51.3%

29

Iowa

85.6%

46.6%

30

Ohio

85.7%

46.8%

31

South Carolina

85.8%

48.2%

32

Arizona

85.8%

39.3%

33

Tennessee

85.9%

49.0%

34

Nevada

86.1%

48.4%

35

Missouri

86.1%

46.8%

36

Texas

86.1%

44.0%

37

Kansas

86.3%

49.2%

38

New Hampshire

86.4%

40.5%

39

North Dakota

86.5%

57.2%

40

New York

86.7%

46.1%

41

Connecticut

86.7%

40.8%

42

Virginia

86.8%

43.3%

43

Maryland

87.1%

39.4%

44

Delaware

87.3%

46.6%

45

New Jersey

87.6%

44.1%

46

Alabama

87.9%

48.7%

47

Illinois

88.0%

48.0%

48

Pennsylvania

88.3%

46.3%

49

Massachusetts

90.1%

43.5%

50

Hawaii

95.4%

50.3%

For more information, visit quotewizard.com

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