Without a universal health care program, most Americans under age 65 — the age of eligibility for Medicare — receive employer-based health insurance coverage. Under this system, 10.8% of Americans younger than 65, approximately 29 million people, lacked health insurance in 2019 — and that was before the COVID-19 pandemic put over 22 million Americans out of work.
While most of those jobs have since been restored, the official uninsured rate for Americans younger than 65 for 2020 will likely be higher than the 2019 rate.
In Minnesota, an estimated 269,954 residents lack health insurance coverage — or 5.8% of the under 65 noninstitutionalized population, the fifth lowest uninsured rate among states.
Across the state, 69.8% of the population under age 65 have employer-based insurance, compared to 60.0% of the same age group nationwide. Another 18.9% of the under 65 population in the state are insured through Medicaid, and 8.4% purchased their own insurance directly — compared to the national rates of 21.0% and 9.7%, respectively.
The rankings in this story are based on one-year estimates of the percentage of Americans under 65 without health insurance from the U.S. Census Bureau’s 2019 American Community Survey.
| Rank | State | Pop. under 65 w/o insurance | Pop. under 65 with employer-based insurance | Pop. under 65 with directly purchased insurance | Pop. under 65 with Medicaid |
|---|---|---|---|---|---|
| 50 | Massachusetts | 3.5% | 68.1% | 10.2% | 23.0% |
| 49 | Rhode Island | 4.8% | 66.8% | 11.7% | 21.6% |
| 48 | Hawaii | 5.0% | 66.9% | 9.9% | 19.5% |
| 47 | Vermont | 5.6% | 60.6% | 10.3% | 25.8% |
| 46 | Minnesota | 5.8% | 69.8% | 8.4% | 18.9% |
| 45 | Iowa | 6.0% | 67.6% | 8.5% | 21.3% |
| 44 | New York | 6.1% | 60.2% | 10.8% | 26.9% |
| 43 | Wisconsin | 6.8% | 69.5% | 8.8% | 17.6% |
| 41 — tied | Maryland | 6.9% | 65.6% | 9.3% | 19.6% |
| 41 — tied | Michigan | 6.9% | 63.7% | 8.9% | 23.8% |
| 39 — tied | Pennsylvania | 7.0% | 65.1% | 9.2% | 22.0% |
| 39 — tied | Connecticut | 7.0% | 64.2% | 8.5% | 23.2% |
| 38 | New Hampshire | 7.6% | 68.8% | 9.1% | 14.6% |
| 36 — tied | Kentucky | 7.7% | 57.1% | 7.3% | 28.3% |
| 36 — tied | Washington | 7.7% | 63.7% | 8.3% | 21.4% |
| 35 | Ohio | 7.8% | 64.4% | 7.3% | 22.2% |
| 33 — tied | North Dakota | 8.1% | 68.3% | 13.6% | 12.4% |
| 33 — tied | Delaware | 8.1% | 63.6% | 8.3% | 23.0% |
| 32 | West Virginia | 8.3% | 57.4% | 5.7% | 30.0% |
| 30 — tied | Oregon | 8.6% | 61.4% | 9.4% | 23.0% |
| 30 — tied | Illinois | 8.6% | 64.9% | 8.3% | 19.7% |
| 29 | California | 8.9% | 56.9% | 10.4% | 26.4% |
| 28 | New Jersey | 9.2% | 66.4% | 8.7% | 17.4% |
| 26 — tied | Virginia | 9.3% | 64.4% | 9.3% | 14.5% |
| 26 — tied | Colorado | 9.3% | 62.4% | 10.5% | 18.1% |
| 25 | Nebraska | 9.8% | 67.2% | 12.1% | 13.4% |
| 24 | Maine | 10.1% | 61.4% | 10.5% | 20.2% |
| 23 | Montana | 10.2% | 55.0% | 13.6% | 23.6% |
| 22 | Indiana | 10.3% | 64.4% | 7.8% | 19.1% |
| 21 | Louisiana | 10.5% | 50.9% | 8.4% | 31.6% |
| 20 | Utah | 10.8% | 68.8% | 12.5% | 9.8% |
| 18 — tied | Kansas | 10.9% | 66.4% | 10.1% | 14.3% |
| 18 — tied | Arkansas | 10.9% | 51.4% | 9.1% | 29.1% |
| 17 | Alabama | 11.7% | 58.2% | 9.7% | 20.8% |
| 15 — tied | New Mexico | 12.0% | 46.1% | 7.6% | 37.0% |
| 15 — tied | Missouri | 12.0% | 63.3% | 9.3% | 15.6% |
| 14 | Tennessee | 12.1% | 58.4% | 9.6% | 21.0% |
| 13 | South Dakota | 12.2% | 61.8% | 12.8% | 14.2% |
| 12 | Idaho | 12.8% | 58.7% | 12.9% | 17.3% |
| 11 | South Carolina | 13.2% | 57.0% | 10.1% | 20.2% |
| 9 — tied | North Carolina | 13.4% | 56.7% | 10.7% | 19.2% |
| 9 — tied | Nevada | 13.4% | 59.4% | 8.7% | 18.9% |
| 8 | Arizona | 13.6% | 56.2% | 8.5% | 22.8% |
| 7 | Alaska | 13.9% | 55.0% | 6.4% | 22.8% |
| 6 | Wyoming | 14.8% | 62.6% | 10.8% | 12.3% |
| 5 | Mississippi | 15.4% | 50.9% | 8.6% | 25.1% |
| 4 | Georgia | 15.5% | 58.1% | 9.2% | 17.5% |
| 3 | Florida | 16.3% | 51.4% | 14.2% | 18.1% |
| 2 | Oklahoma | 16.8% | 54.8% | 9.3% | 18.7% |
| 1 | Texas | 20.8% | 54.8% | 8.6% | 16.2% |
