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Introduction Why Do Health Insurance Rates Increase

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Population Health Update September 2009

August 2008

Chronic

Built Social

Disease

Environment Determinants & Lifestyles



The social determinants in its many forms: poverty, education, jobs, housing, race and so on, drives much of what we do in

health care. Collaborative efforts to improve access, affordability and outcomes with local partners such as Community Action

Partnership, Social Welfare Board, Northwest Health, United Way, Public Health, Family Guidance, Schools, Universities,

Local Government, Chamber and many more is our best hope. Here are the most recent national and local poverty data and its

population health impact. “The only population health risk more harmful than tobacco/obesity is being poor.”



Poverty is… Hunger Poverty is… Housing and Energy

Children who are undernourished are at greater risk for Homeless children are far more likely to suffer chronic

serious health, social and educational problems. health problems, repeat a grade in school, and drop out

of high school. Low-income families pay an average of

Food insufficiency – often caused by missing breakfast –

46% of their income just for housing and energy.

diminishes a child’s ability to retain knowledge,

concentrate, and develop language and math skills. Economic and Family Security

Low-income and fixed-income older Americans are 781,842 Missourians live in poverty

often hard-pressed to pay their bills. Many are frequently 263,484 of them are children

forced to limit their food intake to compensate for costs Poverty is…

of housing, heat and most especially medicine. “The unrelenting stress of keeping a family sheltered,

The regular costs of living consume a substantial clothed and fed… and hoping desperately to finally get a

percentage of a low-income working family’s budget; full week’s paycheck before the baby gets sick or the car

for example, poor and working poor families may pay as breaks down… and choosing which bills to pay this

much as 40 to 50 percent of their household income for month. It’s an exhausting day-to-day struggle without

housing and utility costs. Additionally, many working relief that robs body and soul.”

poor families are employed in the service and retail (Missouri Association of Community Action)

sectors, which typically do not provide health care or

National Trends from Coalition on Human Needs

retirement benefits, and whose hours sometimes make it

difficult for potential beneficiaries to find the time (and More Poor, More Uninsured in 2008

often transportation) to get to a government or charity

The number of poor people is the highest it has been

office to apply for benefits.

since 1960. There were 39.8 million poor people in the

Poverty is…Health U.S. in 2008, 2.5 million more poor in just one year. The

Between 2007 and 2008, the number of people covered poverty rate, 13.2 percent, is the highest since 1997.

by private health insurance decreased from 202 million

Children remain disproportionately poor. Nineteen

to 201 million, while the number covered by government

percent of all children were poor in 2008, up from 18

health insurance climbed from 83 million to 87.4

percent in 2007. The number of poor children increased

million. The number covered by employment-based

by nearly 750,000 in one year.

health insurance declined from 177.4 million to 176.3

million. Child poverty is becoming more harsh. Nearly 6.3

million children were living below half the federal

The number of uninsured people in Missouri rose to

poverty line in 2008, or 8.5 percent of all children. For a

772, 000 in 2007

family of three, the poverty line was $17,163; half that is

Poverty is…Education only $8,581. In 2007, 7.8 percent of children were so

Approximately 19,300 students did not graduate from deeply poor; in 2000, 6.4 percent.

Missouri’s high schools in 2007. The lost lifetime

With far more unemployed this year, poverty is likely

earnings in Missouri for that class of dropouts alone are

to be worse in 2009 than the 2008 data show. In 2008,

more than $5 billion.

unemployment averaged 5.8 percent. The Economic

Policy Institute assumed an average 2009 unemployment

rate of 9.3 percent, and based on that projects total

1

2007 Poverty Information

poverty in 2009 at 14.7 percent (up from 13.2 percent in County All Ages Age 0 – 17 Age 5 - 17

# of Poverty # of Poverty # of Poverty

2008). High unemployment will take a disproportionate

People Pate People Rate People Rate

toll on children and African Americans, whose poverty Andrew 1,390 8.4 444 11.3 295 10.1

rates for 2009 are estimated to climb to 25 percent and Buchanan 12,464 15.2 4,025 20.2 2,554 18.2

30.4 percent, respectively. Clinton 1,895 9.3 649 13.1 413 11.5

DeKalb 1,387 16.0 315 14.9 202 12.9

Poverty Continues to be higher for racial and ethnic Rpt Area 172136 13.4 5,433 17.6 3,464 15.6

minorities. In 2008, nearly one in four African Statewide 758,844 13.3 257,403 18.4 160,841 16.0

Americans were poor (24.6 percent). More than one-

third of African American children lived in poverty County Labor Employment Un- Un-

Force employment employment

(33.9 percent). The poverty rate for Hispanics was 23.2 Rate

percent (for Hispanic children, 30.6 percent). For Asian Andrew 10,361 9,533 828 8.0

Americans the poverty rate was 11.6 percent (13.3 Buchanan 49,262 44,882 4,380 8.9

percent of Asian American children were poor). For non- Clinton 10,438 9,504 934 8.9

Hispanic whites, the poverty rate was 8.6 percent (10.6 DeKalb 5,341 4,853 488 9.1

percent of non-Hispanic white children lived in poverty.) Rpt Area 75,402 68,772 6,630 8.8

Statewide 3,052,784 2,762,514 290,270 9.5

The number of people with out health insurance

Housing: Foreclosures

continues to grow. There were 46.3 million uninsured

The U.S. Department of Housing and Urban Development

people in 2008, up from nearly 45.7 million the year

estimates a total of 1,217 houses were in foreclosure in the

before. In 2000, 13.7 percent Americans were uninsured.

report area during the 18-month period starting January

Fewer and fewer people get insurance through work. 2007. The average foreclosure rate for the report area was

In 2000, 64.2 percent had health coverage through their 4.55%, compared to the average statewide rate of 4.02%.

employers. In 2008, only 58.5 percent had insurance Buchanan County had the highest foreclosure rate at 4.81%,

through work. The proportion of uninsured working 18- while Andrew County had the lowest foreclosure rate, which

64 year olds rose from 18.1 percent in 2007 to 18.7 was 3.44%.

percent in 2008.

Foreclosures, Janmuary 2007 – June 2008

Local Trends: Poverty Rate Change County Estimated Estimated Estimated

# of # of Foreclosure

To keep this report brief only 4 nearby counties are Mortgages Foreclosures Rate (%)

profiled. Poverty rate change in the 4 county report area Andrew 3,398 117 3.44

Buchanan 17,016 819 4.81

from 2000 to 2007 is shown. According to the U.S. Clinton 5,062 226 4.46

Census, the poverty rate for the 4 county area increased DeKalb 1,257 55 4.38

by 2.45%, compared to a statewide increased of 2.7%. Rpt Area 26,733 1,217 4.55

Buchanan County experienced the greatest change in Statewide 1,297,577 52,185 4.02

poverty, increasing by 3.2% from 2000-20007 and

Employment: Living Wage

Andrew County experienced the least amount of change,

The living wage shown is the hourly rate that an individual

increasing by 0.58%.

must earn to support their family, if they are the sole

Change in Poverty Rate, 2000 - 2007 provider and are working full-time (2080 hours/yr). The

County Persons Poverty Persons Poverty Change living wage for a family of four for the 4 county report area

in Rate, in Rate, in

Poverty, 2000 Poverty, 2007 Poverty

ranges from $23.36 in DeKalb County to $29.53 in Clinton

2000 2007 Rate, County. The Minimum Hourly Wage for Missouri is $7.25.

2000-

County Hourly Living Wage, 2008

2007

County One One Two Two Two

Andrew 1,288 7.8 1,390 8.4 0.58

Adult Adult, Adults Adults, Adults,

Buchanan 9,800 12.0 12.464 15.2 3.20

One One Two

Clinton 1,545 8.1 1,895 9.3 1.71 Child Child Children

DeKalb 1,194 13.5 1,387 16.0 2.44 Andrew 7.84 16.35 12.81 21.33 28.24

Rpt Area 13,827 11.0 17,136 13.4 2.45 Buchanan 7.76 16.16 12.66 21.06 27.88

Statewide 581,212 10.6 758,844 13.3 2.74 Clinton 9.18 17.58 14.16 22.56 29.53

DeKalb 6.87 13.75 10.96 17.81 23.36

Rpt Area 7.91 15.96 12.65 20.69 27.25

Statewide 7.39 14.87 11.80 19.28 25.33





Sources: 1) Community Action Partnership (CAP) St Joseph, 2) Coalition on Human Needs, 3) U.S. Census (SAIPE)

June 2009 Employment/Unemployment Information

Special Thanks to Dave Leland, Director, CAP

2



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