Data Dictionary: ACS 2009 (1-Year Estimates)
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Data Source: U.S. Census Bureau
Table: B992704. Imputation Of Employer-Provided Health Insurance Coverage [3]
Universe: Civilian noninstitutionalized population
Table Details
B992704. Imputation Of Employer-Provided Health Insurance Coverage
Universe: Civilian noninstitutionalized population
Variable Label
B992704001
B992704002
B992704003
Relevant Documentation:
Excerpt from: Social Explorer; U.S. Census Bureau; American Community Survey 2009 Summary File: Technical Documentation.
 
Imputation Rates
Missing data for a particular question or item is called item nonresponse. It occurs when a respondent fails to provide an answer to a required item. The ACS also considers invalid answers as item nonresponse. The Census Bureau uses imputation methods that either use rules to determine acceptable answers or use answers from similar housing units or people who provided the item information. One type of imputation, allocation, involves using statistical procedures, such as within-household or nearest neighbor matrices populated by donors, to impute for missing values.

Overall Person Characteristic Imputation Rate
This rate is calculated by adding together the weighted number of allocated items across a set of person characteristics, and dividing by the total weighted number of responses across the same set of characteristics.

Overall Housing Characteristic Imputation Rate
This rate is calculated by adding together the weighted number of allocated items across a set of household and housing unit characteristics, and dividing by the total weighted number of responses across the same set of characteristics. These rates give an overall picture of the rate of item nonresponse for a geographic area.

Excerpt from: Social Explorer; U.S. Census Bureau; American Community Survey 2009 Summary File: Technical Documentation.
 
Health Insurance Coverage
In 2009, data on health insurance coverage were derived from answers to Question 16, which was asked of all respondents. Respondents were instructed to report their current coverage and to mark "yes" or "no" for each of the eight types listed (labeled as parts 16a to 16h).

  1. Insurance through a current or former employer or union (of this person or another family member)
  2. Insurance purchased directly from an insurance company (by this person or another family member)
  3. Medicare, for people 65 and older, or people with certain disabilities
  4. Medicaid, Medical Assistance, or any kind of government-assistance plan for those with low incomes or a disability
  5. TRICARE or other military health care
  6. VA (including those who have ever used or enrolled for VA health care)
  7. Indian Health Service
  8. Any other type of health insurance or health coverage plan


Respondents who answered "yes" to question 16h were asked to provide their other type of coverage type in a write-in field.

Health insurance coverage in the ACS and other Census Bureau surveys define coverage to include plans and programs that provide comprehensive health coverage. Plans that provide insurance for specific conditions or situations such as cancer and long-term care policies are not considered coverage. Likewise, other types of insurance like dental, vision, life, and disability insurance are not considered health insurance coverage.

In defining types of coverage, write-in responses were reclassified into one of the first seven types of coverage or determined not to be a coverage type. Write-in responses that referenced the coverage of a family member were edited to assign coverage based on responses from other family members. As a result, only the first seven types of health coverage are included in the microdata file.

An eligibility edit was applied to give Medicaid, Medicare, and TRICARE coverage to individuals based on program eligibility rules. TRICARE or other military health care was given to active-duty military personnel and their spouses and children. Medicaid or other means-tested public coverage was given to foster children, certain individuals receiving Supplementary Security Income or Public Assistance, and the spouses and children of certain Medicaid beneficiaries. Medicare coverage was given to people 65 and older who received Social Security or Medicaid benefits.

People were considered insured if they reported at least one "yes" to Questions 16a to 16f. People who had no reported health coverage, or those whose only health coverage was Indian Health Service, were considered uninsured. For reporting purposes, the Census Bureau broadly classifies health insurance coverage as private health insurance or public coverage. Private health insurance is a plan provided through an employer or union, a plan purchased by an individual from a private company, or TRICARE or other military health care. Respondents reporting a "yes" to the types listed in parts a, b, or e were considered to have private health insurance. Public health coverage includes the federal programs Medicare, Medicaid, and VA Health Care (provided through the Department of Veterans Affairs); the Childrens Health Insurance Program (CHIP); and individual state health plans. Respondents reporting a "yes" to the types listed in c, d, or f were considered to have public coverage. The types of health insurance are not mutually exclusive; people may be covered by more than one at the same time.

The U.S. Department of Health and Human Services, as well as other federal agencies, use data on health insurance coverage to more accurately distribute resources and better understand state and local health insurance needs.

Question/Concept History
The ACS began asking questions about health insurance coverage in 2008. Because 2008 was the first year of collection, the Census Bureau limited the number and type of data products to simple age breakdowns of overall, private, and public coverage status. The evaluation of the 2008 data suggested that the data were of good quality, so the Census Bureau expanded the data products to include estimates of the specific types of coverage along with estimates about social, economic, and demographic details for people with and without health insurance.

For the 2008 data released September 2009, there was no eligibility edit applied. The eligibility edit that was developed for the 2009 was applied to the 2008 data during spring 2010. New estimates of health insurance coverage with this data are available at http://www.census.gov/hhes/www/hlthins/hlthins.html.

Limitation of the Data
The universe for most health insurance coverage estimates is the civilian noninstitutionalized population, which excludes active-duty military personnel and the population living in correctional facilities and nursing homes. Some noninstitutionalized GQ populations have health insurance coverage distributions that are different from the household population (e.g., the prevalence of private health insurance among residents of college dormitories is higher than the household population). The proportion of the universe that is in the noninstitutionalized GQ populations could therefore have a noticeable impact on estimates of the health insurance coverage. Institutionalized GQ populations may also have health insurance coverage distributions that are different from the civilian noninstitutionalized population, the distributions in the published tables may differ slightly from how they would look if the total population were represented.

Comparability
Health insurance coverage was added to the 2008 ACS and so no equivalent measure is available from previous ACS surveys or Census 2000. Because of the addition of the eligibility edit to 2009 ACS health insurance, data users should be careful as to which 2008 ACS estimates they use to make comparisons. National, state, county and place-level 2008 1-year data incorporating the eligibility edit are available at http://www.census.gov/hhes/www/hlthins/data/acs/2008/re-run.html; they are comparable to the 2009 estimates in American Fact Finder. For more information on the logical coverage (eligibility) edits, please see http://www.census.gov/hhes/www/hlthins/publications/coverage_edits_final.pdf.

Because coverage in the ACS references an individual's current status, caution should be taken when making comparisons to other surveys which may define coverage as "at any time in the last year" or "throughout the past year." A discussion of how the ACS health insurance estimates relate to other survey health insurance estimates can be found in "A Preliminary Evaluation of Health Insurance Coverage" in the 2008 American Community Survey (http://www.census.gov/hhes/www/hlthins/acs08paper/2008ACS_healthins.pdf).

Excerpt from: Social Explorer; U.S. Census Bureau; American Community Survey 2009 Summary File: Technical Documentation.
 
Insurance for Fire, Hazard, and Flood
The data on fire, hazard, and flood insurance were obtained from Housing Question 18 in the 2009 American Community Survey. The question was asked of owner-occupied units. The statistics for this question refer to the annual premium for fire, hazard, and flood insurance on the property (land and buildings), that is, policies that protect the property and its contents against loss due to damage by fire, lightning, winds, hail, flood, explosion, and so on.

Liability policies are included only if they are paid with the fire, hazard, and flood insurance premiums and the amounts for fire, hazard, and flood cannot be separated. Premiums are reported even if they have not been paid or are paid by someone outside the household. When premiums are paid on other than a yearly basis, the premiums are converted to a yearly basis.

The payment for fire, hazard, and flood insurance is added to payments for real estate taxes, utilities, fuels, and mortgages (both first, second, home equity loans, and other junior mortgages) to derive "Selected Monthly Owner Costs" and "Selected Monthly Owner Costs as a Percentage of Household Income". These data provide information on the cost of home ownership and offer an excellent measure of housing affordability and excessive shelter costs.

A separate question (19d in the 2009 American Community Survey) determines whether insurance premiums are included in the mortgage payment to the lender(s). This makes it possible to avoid counting these premiums twice in the computations.

Median Fire, Hazard, and Flood Insurance
Median fire, hazard, and flood insurance divides the fire, hazard, and flood insurance distribution into two equal parts: one-half of the cases falling below the median fire, hazard, and flood insurance and one-half above the median. Median fire, hazard, and flood insurance is computed on the basis of a standard distribution (see the "Standard Distributions" section under "Appendix A".) Median fire, hazard, and flood insurance is rounded to the nearest whole dollar. (For more information on medians, see "Derived Measures".)

Question/Concept History
The American Community Survey questions have been the same since 1996.

Comparability
Data on fire, hazard, and flood insurance in the American Community Survey can be compared to previous ACS and Census 2000 fire, hazard, and flood insurance data.