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How Many People Lack Health Insurance and for How Long 1 (May 2003)

handle is hein.congrec/cbo9255 and id is 1 raw text is: A  series of issue summari.es from
the Congressional Budget Office
MAY 12, 2003

How Many People Lack Health Insurance
and For How Long?

It is frequently stated that about 40 million Americans lack
health insurance. That estimate overstates the number of
people who are uninsured all year. The Congressional Bud-
get Office (CBO) estimates that between 21 million and
31 million people were uninsured for all of 1998, the most
recent year for which reliable comparative data are avail-
able. Since then, the number who are uninsured all year
probably has not changed substantially, given historical
trends. Furthermore, the uninsured population is fluid,
with many people gaining and losing coverage. Between
half and two-thirds of the people who experienced a period
of time without insurance in 1998, for example, had cover-
age for other portions of the year.
Alternative Approaches to Measuring
the Uninsured
The commonly cited estimate of 40 million uninsured
comes from the Census Bureau's Current Population Sur-
vey (CPS). Based on a large nationally representative
sample, the CPS has been collecting data on insurance
status since 1980. Although the CPS is designed to measure
the number of people who lack health coverage for a whole
year, its estimate more closely approximates the number
ofpeople who are uninsured at a specific point in time dur-
ing the year. Data from three large federally sponsored
national surveys-the Survey of Income and Program Par-
ticipation (SIPP), the Medical Expenditure Panel Survey
(MEPS), and the National Health Interview Survey
(NHIS)-yield estimates of the number of uninsured at a
given point in time that are very similar to the CPS esti-
mate of about 40 million (see Figure 1).'
Data from SIPP and MEPS indicate that 21 million to 31
million people lacked health insurance for all of 1998.
Unlike the CPS, which interviews people in March about
1. SIPP is sponsored by the Census Bureau, MEPS by the Agency for
Healthcare Research and Quality, and NHIS by the Centers for
Disease Control and Prevention.

their insurance status during the previous calendar year,
SIPP and MEPS interview people multiple times in a year.
By asking people to recall their insurance coverage over a
shorter period of time than the CPS requires, SIPP and
MEPS should yield more accurate estimates of the number
of people who are uninsured all year.
A third measure of the uninsured is the number of people
who lack insurance at any time during the year. According
to data from SIPP and MEPS, nearly 60 million Americans
Figure 1.
Estimated Number of Nonelderly
People Without Health Insurance
in 1998
(In millions)
80 1

70
60
50
40
30
20
10
0

F-1 Survey of Income and Program Participation
- * Medical Expenditure Panel Survey
F71 National Health Interview Survey        59.0
- a r, a

42.6

39.0

Uninsured            Uninsured
for the           at a Specific
Entire Year        Point in Time
During the Year

Uninsured
at Any Time
During the Year

Source: Congressional Budget Office.
Note: The Centers for Disease Control and Prevention, which sponsors the NHIS,
reports only the point-in-time estimate.

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