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Near Elderly Differ from Other Age Cohorts in Health Insurance Coverage

EBRI tabulations of the March 1995 Current Population Survey (CPS) reveal that 86.1 percent of the near elderly population, consisting of persons aged 55-64, reported having health insurance in 1994. Almost 76 percent reported having private insurance, and 18.4 percent reported having publicly provided coverage. Almost 14 percent of the near elderly population was uninsured in 1994, compared with 15.6 percent of the U.S. population aged 18 and over and 15.3 percent of the total population. The near elderly differ from other age groups in their labor force participation rates, marital status, and income levels. Consequently, they differ from other cohorts in their access to, and sources of, health insurance coverage. Adding significance to these differences is the projected growth in the proportion of individuals belonging to this age group. In 1990, the near elderly represented approximately 9 percent of the total U.S. population. By 2020, this cohort is projected to rise to almost 14 percent of the total population.