TABLE D.1 Estimated Independent Effects of Poverty Level, Education Level, Race and Ethnicity, and Immigrant and Nativity Status on Uninsured Rate
	Unadjusted Difference Between Uninsured Rate and Uninsured Rate for Reference Group (percentage points) Predicted Difference if Coefficients (based on reference group's covariates) Were the Same as Those for the Reference Group (percentage points) Effect of Poverty Level on Uninsured Rate (Reference Group: Families Earning >200% FPL)       Families earning <100% FPL 24.2a 15.3a   Families earning 100–149% FPL 19.6a 12.4a   Families earning 150–199% FPL 15.8a 10.1a Effect of Education Level on Uninsured rate (Reference Group: Primary Wage Earner with Postcollege Education)       Primary wage earner has less than high school diploma 28.4a 16.2a   Primary wage earner has high school diploma 12.0a 7.9a   Primary wage earner has some college 8.2a 5.4a   Primary wage earner has college degree 2.2a 1.4c Effect of Race and Ethnicity on Uninsured Rate (Reference Group: Non-Hispanic Whites)       Non-Hispanic African American 10.0a 5.0a   Hispanic 22.2a 7.2a   All other groups 11.3a 5.4a Effect of Immigrant and Nativity Status on Uninsured Rate (Reference Group: U.S. Born)     All foreign-born persons       Naturalized citizens 6.3a 2.5a   Long-term residents (at least 6 years) 16.9a 10.8a   Short-term residents (<6 years) 29.8a 14.8a Foreign-born non-Hispanic whites (Reference Group: U.S. Born Non-Hispanic Whites)       Naturalized citizens 0.7 0.7   Long-term residents (at least 6 years) 8.7a 6.9b   Short-term residents (<6 years) 13.8a 9.3a Foreign-born non-Hispanic African Americans (Reference Group: U.S. Born Non-Hispanic African Americans)       Naturalized citizens 7.6a 10.3a   Long-term residents (at least 6 years) 6.4 5.4   Short-term residents (<6 years) 18.7a 13.6a Foreign-born Hispanics (Reference Group: U.S. Born Hispanics)       Naturalized citizens 5.2a 5.5a   Long-term residents (at least 6 years) 15.8a 15.3a   Short-term residents (<6 years) 31.8a 21.0a
Notes: Effects are reported as follows: (1) the unadjusted uninsured rate, expressed in terms of the difference compared with the uninsured rate for the reference group; (2) the predicted uninsured rate, expressed in terms of the difference with the uninsured rate for the reference group, as adjusted for the covariates. Models for poverty level and for education level include the following covariates: age, gender, nativity, race and ethnicity, whether urban or rural, family type, health status. Model for race and ethnicity includes the following covariates: primary wage earner's education level, primary wage earner's work status, primary wage earner's occupation, whether primary wage earner has full-time or part-time job, size of firm employing primary wage earner (indicator), family income, age, gender, nativity, family type, state (indicator), whether urban or rural, health status. Model for immigrant and nativity status includes the following covariates: primary wage earner's education level, primary wage earner's work status, primary wage earner's occupation, whether primary wage earner has full-time or part-time job, size of firm employing primary wage earner (indicator), family income, age, gender, family type, state (indicator), whether urban or rural, health status. a p <0.01 b p <0.05 c p <0.10 SOURCE: EBRI derived variable file, based on March 2000 Current Population Survey.