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HEALTH INSURANCE COVERAGE
AMONG SAME-SEX COUPLES:
DISPARITIES AND TRENDS UNDER DOMA
Gilbert Gonzales, MHA
University of Minnesota
American Public Health Association
Social Contexts and Social Determinants of LGBT Health
Monday, November 4, 2013
Disclosure Statement
Click to edit Master title style
Click to edit Master text styles
No Second level to disclose
relationships
Third level
Fourth level
Fifth level

2
Acknowledgments
Click to edit Master title style
Click to edit Master text styles
Co-Authors:
Second level Department of Sociology
Ryan Moltz,
Third level
Miriam King, Minnesota Population Center
Fourth level
Fifth Minnesota
University oflevel

3
State marriage policy rapidly
Click to edit Master title style evolving
Click to edit Master text styles
Second level
Third level
Fourth level
Fifth level

Source: National Conference of State Legislatures

4
Why to edit Master matter?
Clickdoes marriage title style
Most to edit Master covered
Click Americans aretext stylesthrough a family member’s
employer health plan
Second level
 “Legal”
Third level spouse
Fourth level
 Dependent children
Fifth level

5
More to edit Master title style
Click employers extending insurance
Large employers (500+ employees) offering same-sex domestic partner
Click to edit Master text styles
benefits

Second level

46% 47%

Third level

39% 39%

Fourth level
Fifth level

16%

19%

21%

24%

34% 34%
27%

29%

12%

2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012
Source: 2012 Mercer National Survey of Employer-Sponsored Health Plans

6
Federal edit Master title style
Click to policies limited state action
Employee Retirement Income Security Act (ERISA)
Click to edit Master text styles
 Health insurance coverage is mandated for same-sex spouses
Second level
in 16 states, but state mandates only affect fully-insured
Third level
employers (42% employees)
Fourth level
 Self-insuredlevel
Fifth employers are regulated by the federal
government, not states

Defense of Marriage Act (DOMA), 1996-2013
 Did not recognize same-sex unions at the federal level
 Insurance for same-sex spouses treated as taxable income
(adds $1,000 annually)
Source: Badget MVL. The economic value of marriage for same-sex couples. Drake Law Review. 2010.

7
The latest trend
Click to edit Master title style
Droppingedit Master text styles state marriage reform
Click to domestic partners following
Second level
Third level
Fourth level
Fifth level

8
Research Questions
Click to edit Master title style
Is private Master insurance
Click to edit health text styles coverage
improving for same-sex couples?
Second level
Third level
Fourth level
Fifth level

Are there differences in health insurance
coverage between married and unmarried
same-sex couples?

9
Data
Click to edit Master title style
Nationaledit Master text styles (NHIS), 1997-2012
Click to Health Interview Survey
Second level

Non-elderly (25-64 years) partnered adults
• Third level
487,561 opposite-sex married spouses
Fourth level
• 56,807 opposite-sex unmarried partners
Fifth level
• 667 same-sex spouses
• 4,005 same-sex unmarried partners
Health Insurance
• Policy holder: Employer-sponsored insurance (ESI)
• Dependent: Employer-sponsored insurance (ESI)
• Directly Purchased from Insurer
• Public Insurance (Medicaid & Medicare)
• Uninsured
10
Methods
Click to edit Master title style
• Trends in uninsurance by relationship type
Click to edit Master text styles
Second level
Third level

• Distributional changes in insurance coverage type
Fourth level
Fifth level

• Multivariate analysis
•
•

Logistic regression analysis estimating odds of uninsurance
Adjusted for age, race and ethnicity, education, poverty status, employment,
region, presence of a child in household, health status and year

11
Uninsurance increases among most couples
Click to edit Master title style

Click Different-Sex Married styles
to edit Master text
40%
35%
30%
25%

Same-Sex Men
Second level

Third level
32%

Different-Sex Unmarried
Same-Sex Women

33%

34%

Fourth level
Fifth level

34%

24%

21%
18%

20%
20%

18%
17%

15%

16%

10%

12%

13%

13%

1997-2000

2001-2004

2005-2008

18%
14%

5%
2009-2012

Notes: Same-sex couples include all adults that identify another person in the household of the same sex as a husband,
wife or unmarried partner. Source: National Health Interview Survey, 1997-2012.

12
Men in to edit Master title style likely to
Click same-sex relationships less
have ESI as policy holders

Click to edit Master text styles
70%
60%

Second level
Third level

Fourth level
Fifth level

50%
40%
30%
21%

1997-2000

58%

2009-2012

50%*

24%

20%
9%

10%

12%
7%

4%

5%

9% *

0%
Uninsured

ESI Policy
Holder

ESI Dependent

Directly
Purchased

Public

Source: National Health Interview Survey, 1997-2012.
Notes: * indicates p<0.05; **p<0.01

13
Women inedit Master title stylemore likely
Click to same-sex relationships
to have ESI as a dependent

Click to edit Master text styles
60%
50%

Second level

56% 55%

Third level

1997-2000

2009-2012

Fourth level
Fifth level

40%
30%
20%

20%

18%
12%

14%

10%

4% 3%

7%

11%

0%
Uninsured

ESI Policy
Holder

ESI Dependent

Directly
Purchased

Public

Source: National Health Interview Survey, 1997-2012.
Notes: * indicates p<0.05; **p<0.01

14
Odds Ratio of Being Uninsured, Men
Click to edit Master title style
Opposite-Sex Married
Same-Sex
Click to edit Master text stylesUnmarried

Second level

Same-Sex Married

3.14 *

Third level

2.65*

Fourth level
Fifth level
1.71
1.00

1997-2000

1.00

2009-2012
15
Odds Ratio of Being Uninsured, Women
Click to edit Master title style
Opposite-Sex Married
Same-Sex
Click to edit Master text stylesUnmarried

Same-Sex Married

Second level
2.98
Third level *

Fourth level
Fifth level
1.71 *
1.34
1.00

1997-2000

1.00

2009-2012
16
Key Findings
Click to edit Master title style
• Uninsurance has been increasing for all
Click to edit Master text styles
couples—except for women in same-sex
Second level
relationships
Third level
Fourth level
adultslevel same-sex
in
Fifth

•

More
relationships are
covered by another person’s health plan as a
dependent

•

Unmarried same-sex couples still more likely to
be uninsured

17
Click to Gilbert Gonzales, MHA
edit Master title style
Click to edit Master textPhD Student
styles
Second level
Third level

Graduate Research Assistant
gonza440@umn.edu

Fourth level
Fifth level

University of Minnesota
School of Public Health
Division of Health Policy & Management

www.shadac.org
@shadac

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Pres apha nov6_gonzales

  • 1. HEALTH INSURANCE COVERAGE AMONG SAME-SEX COUPLES: DISPARITIES AND TRENDS UNDER DOMA Gilbert Gonzales, MHA University of Minnesota American Public Health Association Social Contexts and Social Determinants of LGBT Health Monday, November 4, 2013
  • 2. Disclosure Statement Click to edit Master title style Click to edit Master text styles No Second level to disclose relationships Third level Fourth level Fifth level 2
  • 3. Acknowledgments Click to edit Master title style Click to edit Master text styles Co-Authors: Second level Department of Sociology Ryan Moltz, Third level Miriam King, Minnesota Population Center Fourth level Fifth Minnesota University oflevel 3
  • 4. State marriage policy rapidly Click to edit Master title style evolving Click to edit Master text styles Second level Third level Fourth level Fifth level Source: National Conference of State Legislatures 4
  • 5. Why to edit Master matter? Clickdoes marriage title style Most to edit Master covered Click Americans aretext stylesthrough a family member’s employer health plan Second level  “Legal” Third level spouse Fourth level  Dependent children Fifth level 5
  • 6. More to edit Master title style Click employers extending insurance Large employers (500+ employees) offering same-sex domestic partner Click to edit Master text styles benefits Second level 46% 47% Third level 39% 39% Fourth level Fifth level 16% 19% 21% 24% 34% 34% 27% 29% 12% 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 Source: 2012 Mercer National Survey of Employer-Sponsored Health Plans 6
  • 7. Federal edit Master title style Click to policies limited state action Employee Retirement Income Security Act (ERISA) Click to edit Master text styles  Health insurance coverage is mandated for same-sex spouses Second level in 16 states, but state mandates only affect fully-insured Third level employers (42% employees) Fourth level  Self-insuredlevel Fifth employers are regulated by the federal government, not states Defense of Marriage Act (DOMA), 1996-2013  Did not recognize same-sex unions at the federal level  Insurance for same-sex spouses treated as taxable income (adds $1,000 annually) Source: Badget MVL. The economic value of marriage for same-sex couples. Drake Law Review. 2010. 7
  • 8. The latest trend Click to edit Master title style Droppingedit Master text styles state marriage reform Click to domestic partners following Second level Third level Fourth level Fifth level 8
  • 9. Research Questions Click to edit Master title style Is private Master insurance Click to edit health text styles coverage improving for same-sex couples? Second level Third level Fourth level Fifth level Are there differences in health insurance coverage between married and unmarried same-sex couples? 9
  • 10. Data Click to edit Master title style Nationaledit Master text styles (NHIS), 1997-2012 Click to Health Interview Survey Second level Non-elderly (25-64 years) partnered adults • Third level 487,561 opposite-sex married spouses Fourth level • 56,807 opposite-sex unmarried partners Fifth level • 667 same-sex spouses • 4,005 same-sex unmarried partners Health Insurance • Policy holder: Employer-sponsored insurance (ESI) • Dependent: Employer-sponsored insurance (ESI) • Directly Purchased from Insurer • Public Insurance (Medicaid & Medicare) • Uninsured 10
  • 11. Methods Click to edit Master title style • Trends in uninsurance by relationship type Click to edit Master text styles Second level Third level • Distributional changes in insurance coverage type Fourth level Fifth level • Multivariate analysis • • Logistic regression analysis estimating odds of uninsurance Adjusted for age, race and ethnicity, education, poverty status, employment, region, presence of a child in household, health status and year 11
  • 12. Uninsurance increases among most couples Click to edit Master title style Click Different-Sex Married styles to edit Master text 40% 35% 30% 25% Same-Sex Men Second level Third level 32% Different-Sex Unmarried Same-Sex Women 33% 34% Fourth level Fifth level 34% 24% 21% 18% 20% 20% 18% 17% 15% 16% 10% 12% 13% 13% 1997-2000 2001-2004 2005-2008 18% 14% 5% 2009-2012 Notes: Same-sex couples include all adults that identify another person in the household of the same sex as a husband, wife or unmarried partner. Source: National Health Interview Survey, 1997-2012. 12
  • 13. Men in to edit Master title style likely to Click same-sex relationships less have ESI as policy holders Click to edit Master text styles 70% 60% Second level Third level Fourth level Fifth level 50% 40% 30% 21% 1997-2000 58% 2009-2012 50%* 24% 20% 9% 10% 12% 7% 4% 5% 9% * 0% Uninsured ESI Policy Holder ESI Dependent Directly Purchased Public Source: National Health Interview Survey, 1997-2012. Notes: * indicates p<0.05; **p<0.01 13
  • 14. Women inedit Master title stylemore likely Click to same-sex relationships to have ESI as a dependent Click to edit Master text styles 60% 50% Second level 56% 55% Third level 1997-2000 2009-2012 Fourth level Fifth level 40% 30% 20% 20% 18% 12% 14% 10% 4% 3% 7% 11% 0% Uninsured ESI Policy Holder ESI Dependent Directly Purchased Public Source: National Health Interview Survey, 1997-2012. Notes: * indicates p<0.05; **p<0.01 14
  • 15. Odds Ratio of Being Uninsured, Men Click to edit Master title style Opposite-Sex Married Same-Sex Click to edit Master text stylesUnmarried Second level Same-Sex Married 3.14 * Third level 2.65* Fourth level Fifth level 1.71 1.00 1997-2000 1.00 2009-2012 15
  • 16. Odds Ratio of Being Uninsured, Women Click to edit Master title style Opposite-Sex Married Same-Sex Click to edit Master text stylesUnmarried Same-Sex Married Second level 2.98 Third level * Fourth level Fifth level 1.71 * 1.34 1.00 1997-2000 1.00 2009-2012 16
  • 17. Key Findings Click to edit Master title style • Uninsurance has been increasing for all Click to edit Master text styles couples—except for women in same-sex Second level relationships Third level Fourth level adultslevel same-sex in Fifth • More relationships are covered by another person’s health plan as a dependent • Unmarried same-sex couples still more likely to be uninsured 17
  • 18. Click to Gilbert Gonzales, MHA edit Master title style Click to edit Master textPhD Student styles Second level Third level Graduate Research Assistant gonza440@umn.edu Fourth level Fifth level University of Minnesota School of Public Health Division of Health Policy & Management www.shadac.org @shadac