2Center or American Progress | The Health Insurance Compensation Gap
According o he Kaiser Family Foundaion, 54 percen o uninsured women areemployed, wih 28 percen employed ull ime and 26 percen eiher sel-employedor employed par ime.
Working women have less access o employer-based coveragein par because even when hey have ull-ime employmen hey are more likely o beemployed in low-wage jobs ha do no oer benes.
As a resul 10 percen o women who work ull ime are uninsured.
Women are also more likely o hold par-ime posi-ions and jobs wih small businesses ha generally do no oer healh benes.
Alhough abou wo-hirds o women beween he ages o 18 o 64 have employer-basedinsurance coverage, only 38 percen o women are enrolled in an insurance plan hey receive hrough heir own employer,
while 24 percen receive employer-based cover-age as a dependen on heir spouse’s or parner’s plan.
In conras, 50 percen o menreceive insurance coverage hrough heir own employer, and only 13 percen o menreceive dependen coverage.
In par because dependen coverage on a spouse’s plan issuch a signican source o coverage or women, single women are wice as likely o beuninsured as married women.
Being a dependen on a spouse’s plan leaves women more suscepible o losing coverage when premium coss rise and employers reduce heir conribuions o amily coverage, when a spouse loses his job, or in he even o divorce.
During he Grea Recession o 2007-2009, many male-dominaed indusries were hi hardes. As men los heir jobs,more and more households wen rom having wo incomes o being a single-income,emale-headed home. Bu hese amilies did no jus lose a husband’s or aher’s income—many also los heir healh care coverage. As o 2010 over 2 million women los healh carecoverage when hey los heir own or heir husband’s job during he recession.
Even wih employer-based coverage, women have higher ou-o-pocke coss han men.Overall, women o reproducive age spend 68 percen more ou o pocke han men onhealh care, in par because heir reproducive healh care needs require more requenhealh care visis and are no always adequaely covered by heir insurance. Among women insured by employer-based plans, oral conracepives alone accoun or onehird o heir oal ou-o-pocke healh care spending.
Women face discrimination in the individual health insurance market
When working women canno obain employer-based coverage and earn oo mucho qualiy or Medicaid, hey mus urn o he individual healh insurance marke. Ye women ofen ace discriminaion in he individual marke—hey are charged more orcoverage, denied coverage or gender-specic condiions, and sold plans ha inad-equaely cover heir healh needs.