Exploring Why the Self-Employed are Less Likely to Have Healthcare Coverage: An Empirical Analysis

Whitney O. Peake, Maria I. Marshall


The United States currently faces record high levels of uninsured individuals, rising healthcare costs, and increasing self-employment. A new dataset was introduced, the American Community Surveys, to confirm whether the self-employed are at a disadvantage in terms of access to health insurance, and if so, what socioeconomic, family, demographic, and occupation factors may exacerbate the problem. Results indicate that the self-employed are in fact at a significant disadvantage regarding health insurance coverage. Family income level, marital status, having a self-employed spouse, age, ethnicity, migration status, and occupational industry were found to be associated with the likelihood that a self-employed individual would have health insurance coverage.

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