The majority of women who buy individual health insurance policies are healthy, well-educated women between the ages of 45 and 64.
Researchers have published those findings in a report on women and health care released by the Henry J. Kaiser Family Foundation, Menlo Park, N.J.
The researchers–Alina Salganicoff, Usha Ranji and Roberta Wyn–organized a 2004 survey of 2,766 U.S. women ages 18 and older and they also surveyed about 500 men. Much of the survey report focuses on the problems and needs of poor women and uninsured women.
But the researchers also looked at women with employer-sponsored health coverage and women with incomes equal to 3 times the federal poverty level, which is about $45,000 to $50,000 per year in many communities.
The researchers found that only 76% of the women with individual health insurance had incomes over 200% of the federal poverty level, compared with 81% of the women with employer-sponsored coverage.
But 72% of the women with individual health coverage had attended college, compared with just 64% of the women with employer-sponsored coverage.