Adequate Insurance in North Dakota
North Dakota
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North Dakota Value:
60.3%
Percentage of children ages 0-17 who were continuously insured in the past year with adequate coverage based on the following criteria: benefits meet the child’s needs; insurance allows the child to see needed providers; and insurance either has no or reasonable out-of-pocket expenses (2-year estimate)
North Dakota Rank:
49
Adequate Insurance in depth:
Appears In:
Adequate Insurance by State
Percentage of children ages 0-17 who were continuously insured in the past year with adequate coverage based on the following criteria: benefits meet the child’s needs; insurance allows the child to see needed providers; and insurance either has no or reasonable out-of-pocket expenses (2-year estimate)
Adequate Insurance
- National Survey of Children's Health, U.S. Department of Health and Human Services, Health Resources and Services Administration (HRSA), Maternal and Child Health Bureau (MCHB), 2020-2021
Adequate Insurance Trends
Percentage of children ages 0-17 who were continuously insured in the past year with adequate coverage based on the following criteria: benefits meet the child’s needs; insurance allows the child to see needed providers; and insurance either has no or reasonable out-of-pocket expenses (2-year estimate)
About Adequate Insurance
US Value: 68.2%
Top State(s): Hawaii: 81.0%
Bottom State(s): Wyoming: 56.3%
Definition: Percentage of children ages 0-17 who were continuously insured in the past year with adequate coverage based on the following criteria: benefits meet the child’s needs; insurance allows the child to see needed providers; and insurance either has no or reasonable out-of-pocket expenses (2-year estimate)
Data Source and Years(s): National Survey of Children's Health, U.S. Department of Health and Human Services, Health Resources and Services Administration (HRSA), Maternal and Child Health Bureau (MCHB), 2020-2021
Suggested Citation: America's Health Rankings analysis of National Survey of Children's Health, U.S. Department of Health and Human Services, Health Resources and Services Administration (HRSA), Maternal and Child Health Bureau (MCHB), United Health Foundation, AmericasHealthRankings.org, accessed 2024.
Almost one-third of children in the United States are not adequately insured (classified as underinsured). Compared with adequately insured children, those who are underinsured have more health disadvantages, including:
- Delayed or forgone care.
- Lack of a personal doctor.
- Difficulty obtaining needed specialist care
- Difficulty receiving needed referrals, care coordination and family-centered care.
Being underinsured can leave a family unprotected from the financial risk of illness or disease. A family whose insurance has a high deductible or low coverage may struggle to pay their bills.
Populations more likely to have adequate health insurance include:
- Children under age 6 compared with children ages 6 and older.
- Non-Hispanic Black children compared with Hispanic children.
- Children without special health care needs.
- Children living in the Northeast compared with children living in the Midwest.
A 2021 study found that the rising inadequacy in children’s health insurance was due to unreasonable out-of-pocket expenses. A study of underinsurance in U.S. children showed that public insurance programs provided greater protection against out-of-pocket expenses than private insurance. Options to improve adequacy of insurance among children include expanding Medicaid and/or CHIP or creating a national single-payer child health insurance plan.
The Commonwealth Fund has an interactive map that lists actions each state has done to promote adequate health insurance.
Adequate insurance among children is a National Performance Measure of the Title V MCH Services Block Grant program.
Kogan, Michael D., Paul W. Newacheck, Stephen J. Blumberg, Reem M. Ghandour, Gopal K. Singh, Bonnie B. Strickland, and Peter C. van Dyck. 2010. “Underinsurance among Children in the United States.” New England Journal of Medicine 363 (9): 841–51. https://doi.org/10.1056/NEJMsa0909994.
Lavarreda, Shana Alex, E. Richard Brown, and Claudie Dandurand Bolduc. 2011. “Underinsurance in the United States: An Interaction of Costs to Consumers, Benefit Design, and Access to Care.” Annual Review of Public Health 32 (1): 471–82. https://doi.org/10.1146/annurev.publhealth.012809.103655.
Yu, Justin, James M. Perrin, Thomas Hagerman, and Amy J. Houtrow. 2022. “Underinsurance Among Children in the United States.” Pediatrics 149 (1): e2021050353. https://doi.org/10.1542/peds.2021-050353.
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