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Hispanic Workers and Employer Sponsored Health Insurance

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  • Lynn Paringer

Abstract

Hispanic workers are particularly disadvantaged with respect to access to employer based health insurance. Low levels of education and correspondingly low earnings as well as language difficulties contribute to the limited access that Hispanic workers have to employer-sponsored health insurance. At the same time, Hispanic workers are often more stably employed than their non-Hispanic counterparts. This paper compares the impact of employment, earnings and demographic characteristics on the probability of receiving an offer of employment based health insurance by Hispanic and non-Hispanic workers and on the take-up of insurance when it is offered. The paper finds that, once human capital, immigration status, and employment characteristics are controlled, Hispanic workers actually have a higher probability of being offered employment-sponsored health insurance than non-Hispanic workers. Take-up of offers of employer sponsored insurance are lower for Hispanic immigrants than for non-immigrant, non-Hispanic workers but there is no difference in take-up between U.S. bom Hispanic workers and non-immigrant, non-Hispanic workers.

Suggested Citation

  • Lynn Paringer, 2007. "Hispanic Workers and Employer Sponsored Health Insurance," The American Economist, Sage Publications, vol. 51(1), pages 40-53, March.
    • Handle: RePEc:sae:amerec:v:51:y:2007:i:1:p:40-53
    DOI: 10.1177/056943450705100104
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    References listed on IDEAS

    as
    1. Janet Currie & Aaron S. Yelowitz, 1999. "Health Insurance and Less Skilled Workers," JCPR Working Papers 63, Northwestern University/University of Chicago Joint Center for Poverty Research.
    2. Roger Feldman & Bryan Dowd & Scott Leitz & Lynn A. Blewett, 1997. "The Effect of Premiums on the Small Firm's Decision to Offer Health Insurance," Journal of Human Resources, University of Wisconsin Press, vol. 32(4), pages 635-658.
    3. Irena Dushi & Marjorie Honig, 2005. "Offers or Take-up: Explaining Minorities’ Lower Health Insurance Coverage," Economics Working Paper Archive at Hunter College 412, Hunter College Department of Economics.
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