Lack of health insurance coverage among employed individuals increased as the COVID-19 pandemic intensified

This is a line chart showing workers lacking health insurance by metro and employment status from April 23, 2020, to Dec. 21, 2020

As the effects of the Coronavirus (COVID-19) pandemic deepened in 2020, a greater share of employed people reported lacking health insurance coverage, regardless of residential location or whether they were self-employed. Self-employed workers were already more often uninsured than those employed by private industry or government, and the gap persisted through the end of 2020. Self-employed workers started the pandemic with uninsured rates of between 24 percent and 28 percent, and these rates remained relatively stable through July 21, 2020. Thereafter, the percentage of uninsured individuals increased, and between August 19 and December 21, 2020, around 33 to 34 percent of self-employed workers were uninsured. The rates of uninsured individuals among other workers followed the same trend, with rates of 15 to 16 percent at the beginning of the pandemic increasing to around 27 percent by the end of 2020. The increases correspond both to a decrease in health insurance coverage through employer-based plans as job losses grew and to slight declines in coverage through direct-purchase plans among the self-employed. This chart appears in the ERS publication report Health Care Access Among Self-Employed Workers in Nonmetropolitan Counties, published May 2022.

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