Is Child Care Directly Related to Family Income?


Is Child Care Directly Related to Family Income?


Faculty Sponsor

Dr. Nodir Adilov


Department of Economics


Healthcare and health insurance are an important safety net for all individuals living in the United States to have. Because there is no universal health care offered to everyone residing within the United States, it comes down to who in the family needs health care and health insurance the most. Even though it may be assumed that the elderly need health care the most, this study focuses on the importance of health care for children and whether they are insured based on their family’s overall income. This paper hypothesizes that families with lower income are more likely to insure their younger children as compared to older kids in their teenage years; families with higher incomes are more likely to have healthcare for all children in the family. The reason is that it is easier for younger kids to get sick because they have a weaker immune system and it is more detrimental for them to get sick compared to all older individuals. This paper will use the national data on health care coverage in the United States to test the hypothesis. Health care and insurance plans for children provide care for physical exams, prevention care, health education, observations and screenings, immunization, and sick care (Centers 2016). In the past twenty years, children of all ages without healthcare decreased from 14% in 1993 to 7% in 2013 (Centers 2016). A major factor presented in previous studies show that whether a child is insured greatly depends on their age. Children between ages of 6 to 11 have 6% less health care compared to children between ages 0 to 5 (Centers 2016). It has been shown that older children are 2% more likely to not have healthcare/health insurance compared to children between ages of 0 to 5 (Centers 2016). For children in age groups between 5 and 11, 82.9% were found to be in extremely or very good health. Looking at the same age group from a different way, however, studies show that 2.8% of individuals missed 11+ days of school in a twelve-month period. Age groups don’t only explain whether a child is insured or not, it also depicts the type of insurance: public or private. Even though this study is not concerned with the type of health care provided to a child specifically, the type of insurance could be a confounding factor that contributes to a child’s overall health. Children ages 5 and younger were found to more likely have private insurance, whereas children between ages 6 to 11 were more likely to have public health insurance



Is Child Care Directly Related to Family Income?