Better Health Means Better Business

8/6/2019 Better Health Means Better Business

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1 Center for American Progress | Better Health Means Better Business

Better Health Means Better Business

How Minority-Owned Small Businesses Benefit from Health Care Reform

Isabel Perera and Lesley Russell May 2011

Te implemenaion o he Aordable Care Ac will make a real dierence o he compei-

iveness o minoriy-owned small businesses, and will help improve access o aordable

healh care coverage or boh small business employers and heir employees. For small

businesses, low-cos and high-qualiy healh care coverage means increased pros, higher

wages, and he abiliy o atrac and reain skilled employees. Te cos o sponsoring healh

insurance or heir employees is he op concern or small employers, and racial and ehnicminoriy enrepreneurs are no excepion.

Minoriy-owned businesses are 5.8 million srong, and growing. Generaing over $1 rillion

each year, hey coninue o build heir presence across local communiies and 41 counries

worldwide. Beween 2002 and 2007, he growh o businesses owned by minoriies oupaced

he growh o nonminoriy-owned businesses. Tese enrepreneurs are imporan conribuors

o local markes, bu hey are also crucial o developing naional economic compeiiveness.

O minoriy-owned enerprises, 1.6 million are owned by Asian Americans. O hose busi-

nesses wih ewer han 100 employees, nearly 2.3 million are owned by Hispanic Americansand nearly 2 million are owned by Arican Americans. Nearly 2 million minoriy employers

are women. Te diversiy o minoriy employers is presen in virually every secor o privae

indusry, ye many o hem encouner similar disadvanages.

As racial and ehnic minoriies, hese employers, employees, and heir amilies experi-

ence signican healh dispariies, which are aggravaed when hey are unable o access

aordable healh care coverage. Many small employers are unable o access coverage or

hemselves or heir employees. Because insurers consider hese employers small groups,

small businesses are no as likely as large groups (large employers) o spread risk. Small

businesses are oen considered high-risk groups, so insurers charge hem high coss. Tese

high coss keep many small employers rom oering healh benes, and when small busi-

ness employees do obain healh coverage hrough heir employers, hey end o have less

generous plans han employees a large businesses.

In 2010, 99 percen o large employers oered healh benes, bu only76 percen o

employers wih 10 o 24 employees oered coverage. Whas more, only59 percen o

microbusinesses (businesses wih 3 o 10 employees) oered coverage.
http://smallbusinessmajority.org/small-business-research/opinion-research.phphttp://smallbusinessmajority.org/small-business-research/opinion-research.phphttp://www.census.gov/econ/sbo/get07sof.html?5http://factfinder.census.gov/servlet/IBQTable?_bm=y&-_lowValue=&-filter=RACE_GROUP;in;90&-ds_name=SB0700CSPRE01&-_highValue=&-geo_id=01000US&-_filterValue=90&-_selOp=eq&-fds_name=EC0700A1http://www.mbda.gov/pressroom/news-and-announcements/mbes-global-reach-spans-six-continentshttp://www.mbda.gov/pressroom/research-libraryhttp://www.mbda.gov/pressroom/research-libraryhttp://www.census.gov/econ/sbo/get07sof.html?2http://ttp//factfinder.census.gov/servlet/IBQTable?_bm=y&-_lowValue=&-filter=ETH_GROUP;in;020,021,022,023,024&-ds_name=SB0700CSA10&-_highValue=&-geo_id=01000US&-_filterValue=020&-_filterValue=021&-_filterValue=022&-_filterValue=023&-_filterValue=024&-_selOp=eqhttp://factfinder.census.gov/servlet/IBQTable?_bm=y&-_lowValue=&-filter=RACE_GROUP;in;40&-ds_name=SB0700CSA11&-_highValue=&-geo_id=01000US&-_filterValue=40&-_selOp=eq&-fds_name=EC0700A1http://www.womensbusinessresearchcenter.org/research/keyfacts/http://www.americanprogress.org/issues/2010/12/disparities_factsheet.htmlhttp://www.americanprogress.org/issues/2010/12/disparities_factsheet.htmlhttp://www.americanprogress.org/issues/2010/04/small_business_health.htmlhttp://www.americanprogress.org/issues/2010/04/small_business_health.htmlhttp://www.whitehouse.gov/administration/eop/cea/Health-Care-Reform-and-Small-Businesseshttp://www.whitehouse.gov/administration/eop/cea/Health-Care-Reform-and-Small-Businesseshttp://ehbs.kff.org/pdf/2010/8085.pdfhttp://ehbs.kff.org/pdf/2010/8085.pdfhttp://ehbs.kff.org/pdf/2010/8085.pdfhttp://ehbs.kff.org/pdf/2010/8085.pdfhttp://ehbs.kff.org/pdf/2010/8085.pdfhttp://ehbs.kff.org/pdf/2010/8085.pdfhttp://www.whitehouse.gov/administration/eop/cea/Health-Care-Reform-and-Small-Businesseshttp://www.whitehouse.gov/administration/eop/cea/Health-Care-Reform-and-Small-Businesseshttp://www.americanprogress.org/issues/2010/04/small_business_health.htmlhttp://www.americanprogress.org/issues/2010/04/small_business_health.htmlhttp://www.americanprogress.org/issues/2010/12/disparities_factsheet.htmlhttp://www.americanprogress.org/issues/2010/12/disparities_factsheet.htmlhttp://www.womensbusinessresearchcenter.org/research/keyfacts/http://factfinder.census.gov/servlet/IBQTable?_bm=y&-_lowValue=&-filter=RACE_GROUP;in;40&-ds_name=SB0700CSA11&-_highValue=&-geo_id=01000US&-_filterValue=40&-_selOp=eq&-fds_name=EC0700A1http://ttp//factfinder.census.gov/servlet/IBQTable?_bm=y&-_lowValue=&-filter=ETH_GROUP;in;020,021,022,023,024&-ds_name=SB0700CSA10&-_highValue=&-geo_id=01000US&-_filterValue=020&-_filterValue=021&-_filterValue=022&-_filterValue=023&-_filterValue=024&-_selOp=eqhttp://www.census.gov/econ/sbo/get07sof.html?2http://www.mbda.gov/pressroom/research-libraryhttp://www.mbda.gov/pressroom/research-libraryhttp://www.mbda.gov/pressroom/news-and-announcements/mbes-global-reach-spans-six-continentshttp://factfinder.census.gov/servlet/IBQTable?_bm=y&-_lowValue=&-filter=RACE_GROUP;in;90&-ds_name=SB0700CSPRE01&-_highValue=&-geo_id=01000US&-_filterValue=90&-_selOp=eq&-fds_name=EC0700A1http://www.census.gov/econ/sbo/get07sof.html?5http://smallbusinessmajority.org/small-business-research/opinion-research.phphttp://smallbusinessmajority.org/small-business-research/opinion-research.php


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Minoriy employees o small businesses also have much o gain rom hese reorms.

Currenly, almos one-hird o he uninsured (13 million people) are employees o

small businesses. Te siuaion is worse or racial- and ehnic-minoriy Americans. For

example, wo ou o every hree Korean Americans work in small businesses, bu only

49 percen have employer healh care coverage.

For small employers, competitiveness

Te new law responds o small employers desire o develop heir compeiive edge and

obain aordable healh care coverage or hemselves and or heir employees by oer-

ing ax credis o paricipae in he sae-based healh insurance exchanges. Tis bene

is already in place. Small employers know ha oering healh coverage helps he bo-

om line. Businesses wih healh care coverage are more compeiive; his added bene

helps recrui op employees, reain successul ones, and increase he rms produciviy.

Currenly, small businesses are eligible or a ax credi o up o 35 percen (25 percen

or nonpros). Tis credi helps lower he cos o insurance or sruggling small busi-nesses, as i is direced a businesses wih ewer han 25 employees and average annual

wages below $50,000. Te ax credi or hese businesses is even more generous in 2014.

I will go up o 50 percen (up o 35 percen or nonpros). Tese credis will signi-

canly ose he cos o healh insurance or hese groups.

Racial and ehnic minoriy employers can also look orward o he exchanges, which

will also be implemened in 2014. Businesses wih ewer han 100 employees can shop

rom a menu o insurance opions in he exchange. Each opion will mee a se o cos

and bene crieria. Providing aordable coverage opions is a key goal, so hese new

markeplaces will pool he risk o paricipaing individuals and businesses, which in urnwill lower he overall cos o insurance.

Tese mechanisms will lower he cos o insurance or employers seeking o provide

coverage. Once he exchanges are up and running, researchers esimae ha he reorms

will reduce small business job losses by as much as 72 percen.

For self-employed individuals and their families, lower costs and

fewer disparities

Tanks o he employer ax credi and he low-cos exchange plans, sel-employed indi-

viduals are expeced o obain coverage a near-universal raes.

Many racial and ehnic minoriy business owners are sel-employed, ha is o say, hey

work or hemselves. Currenly, sel-employed workers comprise 78 percen o small

employers. Under he pre-reorm sysem, sel-employed workers oen sruggled o nd

aordable healh care coverage. Some o hem joined wih an indusry associaions
http://www.healthreform.gov/reports/helpbottomline/http://www.apiahf.org/sites/default/files/APIAHF_Factsheet0323_2011.pdfhttp://www.healthreform.gov/reports/helpbottomline/http://www.healthreform.gov/reports/helpbottomline/http://www.irs.gov/newsroom/article/0,,id=223666,00.htmlhttp://www.americanprogress.org/issues/2010/04/small_business_health.htmlhttp://www.americanprogress.org/issues/2010/04/small_business_health.htmlhttps://ask.census.gov/app/answers/detail/a_id/1182/kw/self-employedhttp://www.nase.org/Files/Documents/Self-Employed_and_the_US_Economy-_Charts_&_Stats.pdfhttp://www.nase.org/Files/Documents/Self-Employed_and_the_US_Economy-_Charts_&_Stats.pdfhttps://ask.census.gov/app/answers/detail/a_id/1182/kw/self-employedhttp://www.americanprogress.org/issues/2010/04/small_business_health.htmlhttp://www.americanprogress.org/issues/2010/04/small_business_health.htmlhttp://www.irs.gov/newsroom/article/0,,id=223666,00.htmlhttp://www.healthreform.gov/reports/helpbottomline/http://www.healthreform.gov/reports/helpbottomline/http://www.apiahf.org/sites/default/files/APIAHF_Factsheet0323_2011.pdfhttp://www.healthreform.gov/reports/helpbottomline/


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sponsored healh plan. Ohers sough coverage in he individual marke. For hose wih

pre-exising condiions, only low-qualiy, high-cos insurance was available. Many indi-

viduals in his segmen wen wihou coverage alogeher.

Healh care reorm promoes qualiy coverage or hese workers. Righ now, i hey are

unable o obain coverage because o a pre-exising condiion, hey can choose o join a

high-risk insurance pool, which is available in every sae. In 2014, sel-employed indi-viduals will also be eligible o shop or healh care coverage in he exchanges and receive

a ax credi or doing so. Racial and ehnic minoriies are currenlyless likely o have

access o employer-sponsored insurance han non-Hispanic whies, so hey will bene

subsanially rom he new exchanges. Researchers projec ha one in our exchange

paricipans will speak a language oher han English a home.

Tis suppor sysem will make insurance more aordable or he individual, and i will

accordingly lower coss or his or her business. Tese provisions reduce he burden o

healh care coss on minoriy sel-employed individuals, and i hus incorporaes under-

served racial and ehnic groups ino a more robus healh care sysem. Te healh carereorm law is a landmark opporuniy o close he dispariies gap.

Better health, better business

Despie signican hurdles, racial and ehnic minoriy enrepreneurs are breaking

hrough he limiaions and are dening hemselves as a valuable par o American

business. Tese enrepreneurs, especially he sel-employed and hose wih ewer han

100 employees, can bene rom provisions in he healh care reorm law. Te law sup-

pors economic compeiiveness by allowing small employers o expand heir benespackages. Racial and ehnic groups, whose healh may be compromised by considerable

dispariies, will especially bene rom hese provisions.

Wih hese reorms, racial and ehnic minoriies in he small business communiy can

enjoy beter healh and sronger healh securiy. Wihou healh care reorm, small busi-

nesses will lose $52.1 billion in pros over he nex decade. Lower healh care coss

and improved healh and wellness will make minoriy-owned small businesses sronger.

Naional ineress canno aord o disadvanage minoriy enrepreneurs. Ulimaely, clos-

ing he gap is a business issue, and he healh care reorm law seeks o do exacly ha.
http://www.healthcare.gov/foryou/disabilities/losing/highrisk/http://www.healthcare.gov/foryou/disabilities/losing/highrisk/http://www.irs.gov/publications/p535/ch06.htmlhttp://www.irs.gov/publications/p535/ch06.htmlhttp://www.kff.org/healthreform/upload/8016-02.pdfhttp://www.kff.org/healthreform/upload/8016-02.pdfhttp://www.kff.org/healthreform/upload/8147.pdfhttp://www.kff.org/healthreform/upload/8147.pdfhttp://smallbusinessmajority.org/pdfs/SBM-economic_impact_061009.pdfhttp://www.businessgrouphealth.org/pdfs/Final%20Draft%20508.pdfhttp://www.businessgrouphealth.org/pdfs/Final%20Draft%20508.pdfhttp://www.businessgrouphealth.org/pdfs/Final%20Draft%20508.pdfhttp://www.businessgrouphealth.org/pdfs/Final%20Draft%20508.pdfhttp://smallbusinessmajority.org/pdfs/SBM-economic_impact_061009.pdfhttp://www.kff.org/healthreform/upload/8147.pdfhttp://www.kff.org/healthreform/upload/8147.pdfhttp://www.kff.org/healthreform/upload/8016-02.pdfhttp://www.kff.org/healthreform/upload/8016-02.pdfhttp://www.irs.gov/publications/p535/ch06.htmlhttp://www.irs.gov/publications/p535/ch06.htmlhttp://www.healthcare.gov/foryou/disabilities/losing/highrisk/http://www.healthcare.gov/foryou/disabilities/losing/highrisk/


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American Indians and Alaska Natives

American Indian and Alaska Naive reers o people having origins in any o he

original peoples o Norh and Souh America (including Cenral America) who

mainain ribal aliaion or communiy atachmen.

Small businesses owned by American Indians and Alaska Naives produce$28 billion

in oal revenues.

Coverage

Insurance saus, more han any oher demographic or economic acor, deermines he

imeliness and qualiy o healh care.

weny-nine percen o American Indians and Alaska Naivesare uninsured, compared

o 11.4 percen o non-Hispanic whies.

O hose employed by a small business, 40 percen (70,000 people) o American

Indian and Alaska Naiveworkers under age 64 are uninsured, compared o 24 perceno whie Americans.

Disparities

American Indians and Alaska Naives also ace signican healh dispariies, many o

which could be prevened by comprehensive healh care coverage and consisen care.

Te prevalence o overweigh and obese American Indians and Alaska Naives is

higher han ha or any oher populaion group.

American Indian and Alaska Naive aduls are 60 percen more likely o have a sroke

han heir whie counerpars and American Indian and Alaska Naive women have

wice he rae o sroke o whie women.
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Suicide is he eighh leading cause o deah or American Indians and Alaska Naives.

I is he second leading cause o deah or hose ages 10 o 34 years. When compared

o oher racial and ehnic groups, American Indian and Alaska Naive youh have more

serious menal healh problems such as depression, anxiey, and subsance abuse.

Tere are 8.28 inan deahs per 1,000 live birhs in his populaion group. American

Indian and Alaska Naive inans are 3.7 imes as likely as whie inans o have moh-ers who began prenaal care in he hird rimeser or did no receive prenaal care a all.

Benefits for business

American Indian and Alaska Naive small business employers will bene rom he new

healh law, which seeks o expand coverage and improve primary care. Specically, he

new healh exchanges and he minimum coverage requiremen will improve healh care

coverage or his populaion.

As o 2014, small employers will be able o purchase packages o essenial healh ben-

es or heir employees. Te plans oered inside he sae-based exchanges will also

cover prevenive services and limi ou-o-pocke coss. Tese provisions srenghen

healh securiy, and make healh expendiures more aordable.

Te law also has provisions ha will bene sel-employed workers, who are among

he mos difcul o insure. Te law proecs such individuals by requiring insurers o

provide qualiy, aordable coverage, and by implemening high-risk insurance pools or

hose wih pre-exising condiions. In 2014, sel-employed workers will also be eligible

o join he exchanges.

Approximaely237,000 AI/AN who are sel-employed or small employers (and heir

143,000 employees) migh be eligible o paricipae in he exchanges. ax credis or

cerain employers and eligible individuals are available o aciliae he purchase o

healh insurance.

Te new healh reorm law improves he qualiy o care and ensures coverage or he

uninsured. American Indians and Alaska Naives disproporionaely suer rom dispari-

ies, paricularly as a resul o heir unique healh needs. Te law helps o secure aord-

able healh care or his populaion and srenghens is poenial or nancial prosperiy

and beter healh.
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1 Center for American Progress | Asian Americans

Asian Americans

Tis racial group is dened as people having origins in any o he original peoples o

easern Asia, Souheas Asia, or he Indian subconinen. Asian Americans represen

boh exremes o socioeconomic and healh indices.

Small businesses owned by Asian Americans produce $419 billion in oal revenues.

Coverage



Seveneen percen o Asian Americans are uninsured, compared o11.4 percen o

non-Hispanic whies.

O hose employed by a small business, 36 percen (500,000 people) o Asian American

workers under age 64 are uninsured, compared o 24 percen o whie Americans.

Disparities

Asian Americans also ace signican healh dispariies, many o which could be

prevened by comprehensive healh care coverage and consisen care.

Asian Americans suer disproporionaely rom cerain ypes o cancer, uberculosis,

and Hepaiis B. Vienamese American women, or example, have cervical cancer raes

ve imes o hose o whie women.

Souheas Asian reugees are a signican riskor pos-raumaic sress disorder

associaed wih rauma experienced beore and aer immigraion o he Unied Saes.
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2 Center for American Progress | Asian Americans


Asian American small business employers and employees will bene rom he new

healh law, which seeks o expand coverage and improve primary care. Specically, he

new healh exchanges and he minimum coverage requiremen will improve healh care

coverage or his populaion.




healh securiy, and make healh expendiures more aordable. Te law also has provi-

sions ha will bene sel-employed workers, who are among he mos difcul o insure.

Te law proecs such individuals by requiring insurers o provide qualiy, aordable cov-

erage, and by implemening high-risk insurance pools or hose wih pre-exising condi-

ions. In 2014, sel-employed workers will also be eligible o join he exchanges.

Approximaely1.5 million Asians who are sel-employed or small employers (and

heir 2.3 million employees) migh be eligible o paricipae in he exchanges. ax

credis or cerain employers and eligible individuals are available o aciliae he

purchase o healh insurance.


uninsured. Asian American rms will especially bene rom his law, as i empowers

hem o oer insurance. Te law helps o secure aordable healh care or his popula-

ion and srenghens is poenial or nancial prosperiy and beter healh.
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1 Center for American Progress | African Americans

African Americans

Afican American or black reers o people having origins in any o he black racial

groups o Afica, including hose o Caribbean ideniy.

Small businesses owned by Arican Americans produce $ 136 billionin oal revenues.

Coverage

Insurance saus, more han any oher demographic or economic acor, deermines heimeliness and qualiy o healh care.

weny-one percen o Arican Americans are uninsured, compared o 11.4 percen

o non-Hispanic whies.

Seveny-nine percen o Arican Americans had healh coverage in 2009 compared

o 88 percen o whie Americans.

O hose employed by a small business, 40 percen (1 million people) o Arican

American workers under age 64 are uninsured, compared o 24 percen owhie Americans.

Disparities

Arican Americans also ace signican healh dispariies, many o which could be

prevened by comprehensive healh care coverage and consisen care.

Adul obesiy raes or Arican Americans are higher han hose or whies in nearly every

sae o he naion37 percen o men and nearly 50 percen o women are obese.

Arican Americans have higher raes o diabees, hyperension, and hear disease han

oher groups. Nearly 12.6 percen o non-Hispanic blacks have diagnosed diabees

compared wih 7.1 percen o non-Hispanic whies.

Ashma prevalence is also highes among blacks.
http://factfinder.census.gov/servlet/IBQTable?_bm=y&-_lowValue=&-filter=RACE_GROUP;in;40&-ds_name=SB0700CSA01&-_highValue=&-geo_id=01000US&-_filterValue=40&-_selOp=eq&-fds_name=EC0700A1http://dc-fserv1/data/HEALTH/Isabel/Minority-owned%20small%20biz/Coverage%20http:/www.nap.edu/openbook.php%3frecord_id=10260&page=R1http://dc-fserv1/data/HEALTH/Isabel/Minority-owned%20small%20biz/Coverage%20http:/www.nap.edu/openbook.php%3frecord_id=10260&page=R1http://www.census.gov/hhes/www/hlthins/data/incpovhlth/2009/tables.htmlhttp://www.census.gov/hhes/www/hlthins/data/incpovhlth/2009/tables.htmlhttp://www.census.gov/prod/2004pubs/p60-226.pdfhttp://www.kff.org/healthreform/upload/8016-02.pdfhttp://www.kff.org/healthreform/upload/8016-02.pdfhttp://www.kff.org/healthreform/upload/8016-02.pdfhttp://jama.ama-assn.org/content/303/3/235.fullhttp://minorityhealth.hhs.gov/templates/content.aspx?ID=6170http://minorityhealth.hhs.gov/templates/content.aspx?ID=6170http://jama.ama-assn.org/content/303/3/235.fullhttp://www.kff.org/healthreform/upload/8016-02.pdfhttp://www.kff.org/healthreform/upload/8016-02.pdfhttp://www.kff.org/healthreform/upload/8016-02.pdfhttp://www.census.gov/prod/2004pubs/p60-226.pdfhttp://www.census.gov/hhes/www/hlthins/data/incpovhlth/2009/tables.htmlhttp://www.census.gov/hhes/www/hlthins/data/incpovhlth/2009/tables.htmlhttp://dc-fserv1/data/HEALTH/Isabel/Minority-owned%20small%20biz/Coverage%20http:/www.nap.edu/openbook.php%3frecord_id=10260&page=R1http://dc-fserv1/data/HEALTH/Isabel/Minority-owned%20small%20biz/Coverage%20http:/www.nap.edu/openbook.php%3frecord_id=10260&page=R1http://factfinder.census.gov/servlet/IBQTable?_bm=y&-_lowValue=&-filter=RACE_GROUP;in;40&-ds_name=SB0700CSA01&-_highValue=&-geo_id=01000US&-_filterValue=40&-_selOp=eq&-fds_name=EC0700A1


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2 Center for American Progress | African Americans

Arican Americans experience higher incidence and moraliy raes rom many can-

cers ha are amenable o early diagnosis and reamen. Arican American aduls wih

cancer are very under-represened in cancer rials and are much less likely o survive

prosae cancer, breas cancer, and lung cancer han heir whie counerpars.


Arican American small business employers and heir employees will bene rom he

new healh law, which seeks o expand coverage and improve primary care. Specically,

he new healh exchanges and he minimum coverage requiremen will improve healh

care coverage or his populaion.




healh securiy, and make healh expendiures more aordable. Te law also has provi-sions ha will bene sel-employed workers, who are among he mos difcul o insure.




Approximaely1.9 million Arican Americans who are sel-employed or small employ-

ers (and heir 603,000 employees) migh be eligible o paricipae in he exchanges.

ax credis or cerain employers and eligible individuals are available o aciliae he

purchase o healh insurance.

Arican Americans will comprise an esimaed 11 percen o he exchange populaion.


uninsured. Currenly, Arican Americans ace some o he mos severe healh dispariies.

Te law helps o secure aordable healh care or his populaion, and srenghens is

poenial or nancial prosperiy and beter healh.
http://healthyamericans.org/assets/files/TFAH%202010Top10PrioritiesLowIncome.pdfhttp://factfinder.census.gov/servlet/IBQTable?_bm=y&-_lowValue=&-filter=RACE_GROUP;in;40&-ds_name=SB0700CSA11&-_highValue=&-geo_id=01000US&-_filterValue=40&-_selOp=eq&-fds_name=EC0700A1http://factfinder.census.gov/servlet/IBQTable?_bm=y&-_lowValue=&-filter=RACE_GROUP;in;40&-ds_name=SB0700CSA11&-_highValue=&-geo_id=01000US&-_filterValue=40&-_selOp=eq&-fds_name=EC0700A1http://www.kff.org/healthreform/upload/8147.pdfhttp://www.kff.org/healthreform/upload/8147.pdfhttp://factfinder.census.gov/servlet/IBQTable?_bm=y&-_lowValue=&-filter=RACE_GROUP;in;40&-ds_name=SB0700CSA11&-_highValue=&-geo_id=01000US&-_filterValue=40&-_selOp=eq&-fds_name=EC0700A1http://factfinder.census.gov/servlet/IBQTable?_bm=y&-_lowValue=&-filter=RACE_GROUP;in;40&-ds_name=SB0700CSA11&-_highValue=&-geo_id=01000US&-_filterValue=40&-_selOp=eq&-fds_name=EC0700A1http://healthyamericans.org/assets/files/TFAH%202010Top10PrioritiesLowIncome.pdf


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1 Center for American Progress | Native Hawaiian and Other Pacific Islander

Native Hawaiian and Other Pacific Islander

Naive Hawaiian and oher Pacic Islander reers o people having origins in any

o he original peoples o he Pacic Islands including Polynesian, Micronesian, and

Melanesian ancesry.

Small businesses owned by Naive Hawaiians and oher Pacic Islanders produce

$6.9 billion in oal revenues.

Coverage



weny percen o Naive Hawaiian and oher Pacic Islanders are uninsured, compared

o 11.4 percen o non-Hispanic whies.

Disparities

Tis group also aces signican healh dispariies, many o which could be prevened by

comprehensive healh care coverage and consisen care.

In comparison o oher racial and ehnic groups, Naive Hawaiians and Pacic

Islanders have higher raes o smoking, alcohol consumpion, and obesiy. Tis group

also has litle access o cancer prevenion and conrol programs.

Te sae o Hawaii ound ha he diabees rae or Naive Hawaiians was wice ha o

he whie populaion. Naive Hawaiians are also more han 5.7 imes as likelyas whies

living in Hawaii o die rom diabees.

Naive Hawaiians and Pacic Islanders are 30 percen more likely o be diagnosed

wih cancer compared o non-Hispanic whies.
http://factfinder.census.gov/servlet/IBQTable?_bm=y&-_lowValue=&-filter=RACE_GROUP;in;70&-ds_name=SB0700CSPRE01&-_highValue=&-geo_id=01000US&-_filterValue=70&-_selOp=eq&-fds_name=EC0700A1http://volumes/Art%20Team%20(swap)/REPORTS/HEALTH/2011/Small%20Business%20Fact%20Sheets/Coverage%20http:/www.nap.edu/openbook.php?record_id=10260&page=R1http://volumes/Art%20Team%20(swap)/REPORTS/HEALTH/2011/Small%20Business%20Fact%20Sheets/Coverage%20http:/www.nap.edu/openbook.php?record_id=10260&page=R1http://www.census.gov/hhes/www/hlthins/data/incpovhlth/2009/tables.htmlhttp://minorityhealth.hhs.gov/templates/browse.aspx?lvl=2&lvlID=71http://minorityhealth.hhs.gov/templates/browse.aspx?lvl=2&lvlID=71http://minorityhealth.hhs.gov/templates/browse.aspx?lvl=2&lvlID=71http://minorityhealth.hhs.gov/templates/browse.aspx?lvl=2&lvlID=71http://minorityhealth.hhs.gov/templates/browse.aspx?lvl=2&lvlID=71http://minorityhealth.hhs.gov/templates/browse.aspx?lvl=2&lvlID=71http://www.census.gov/hhes/www/hlthins/data/incpovhlth/2009/tables.htmlhttp://volumes/Art%20Team%20(swap)/REPORTS/HEALTH/2011/Small%20Business%20Fact%20Sheets/Coverage%20http:/www.nap.edu/openbook.php?record_id=10260&page=R1http://volumes/Art%20Team%20(swap)/REPORTS/HEALTH/2011/Small%20Business%20Fact%20Sheets/Coverage%20http:/www.nap.edu/openbook.php?record_id=10260&page=R1http://factfinder.census.gov/servlet/IBQTable?_bm=y&-_lowValue=&-filter=RACE_GROUP;in;70&-ds_name=SB0700CSPRE01&-_highValue=&-geo_id=01000US&-_filterValue=70&-_selOp=eq&-fds_name=EC0700A1


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2 Center for American Progress | Native Hawaiian and Other Pacific Islander


Naive Hawaiian and oher Pacic Islander small business employers and employees

will bene rom he new healh law, which seeks o expand coverage and improve pri-

mary care. Specically, he new healh exchanges and he minimum coverage require-

mens will improve healh care coverage or his populaion.




healh securiy and make healh expendiures more aordable. Te law also has provi-

sions ha will bene sel-employed workers, who are among he mos difcul o insure.




Approximaely39,000 Naive Hawaiian and oher Pacic Islanders who are sel-

employed or small employers (and heir 43,000 employees) migh be eligible o par-

icipae in he exchanges. ax credis are available or cerain employers and eligible

individuals o aciliae he purchase o healh insurance.


uninsured. Naive Hawaiians and oher Pacic Islanders are radiionally under-repre-

sened in he business secor and underserved in healh care. Te law helps o secure

aordable healh care or his populaion and srenghens is poenial or nancial

prosperiy and beter healh.
http://factfinder.census.gov/servlet/IBQTable?_bm=y&-_lowValue=&-filter=RACE_GROUP;in;70&-ds_name=SB0700CSPRE01&-_highValue=&-geo_id=01000US&-_filterValue=70&-_selOp=eq&-fds_name=EC0700A1http://factfinder.census.gov/servlet/IBQTable?_bm=y&-_lowValue=&-filter=RACE_GROUP;in;90&-ds_name=SB0700CSPRE01&-_highValue=&-geo_id=01000US&-_filterValue=90&-_selOp=eq&-fds_name=EC0700A1http://factfinder.census.gov/servlet/IBQTable?_bm=y&-_lowValue=&-filter=RACE_GROUP;in;90&-ds_name=SB0700CSPRE01&-_highValue=&-geo_id=01000US&-_filterValue=90&-_selOp=eq&-fds_name=EC0700A1http://factfinder.census.gov/servlet/IBQTable?_bm=y&-_lowValue=&-filter=RACE_GROUP;in;70&-ds_name=SB0700CSPRE01&-_highValue=&-geo_id=01000US&-_filterValue=70&-_selOp=eq&-fds_name=EC0700A1


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1 Center for American Progress | Hispanics or Latinos

Hispanics or Latinos

Te ederal governmen denes Hispanic or Laino as a person o Mexican, Puero

Rican, Cuban, Souh or Cenral American, or oher Spanish culure or origin regard-

less o race. Hispanics are hus a heerogeneous group and may be o any race.

Small businesses owned by Hispanics produce $ 271 billion in oal revenues.

Coverage

Insurance saus, more han any oher demographic or economic acor, deermines

he imeliness and qualiy o healh care.

Tiry-wo percen o Hispanics are uninsured, compared o 11.4 percen o non-

Hispanic whies.

68 percen o Hispanics had healh insurance coverage in 2009 compared o

88 percen o whie Americans.

O hose employed by a small business, 57 percen (3.6 million people) o Hispanic

workers under age 64 are uninsured, compared o 24 percen o whie Americans.

Disparities

Hispanics also ace signican healh dispariies, many o which could be prevened

by comprehensive healh care coverage and consisen care.

35 percen o nonelderly uninsured Hispanics repor having chronic healh condiions.

Cancer screenings are abou 12 percen less common among Hispanics han

non-Hispanic whies. Hispanic women conrac cervical cancer a wice he rae

o whie women.

Hispanics have higher raes o end-sage renal disease, caused by diabees, and hey

are 50 percen more likely o die rom diabees han non-Hispanic whies.
http://factfinder.census.gov/servlet/IBQTable?_bm=y&-_lowValue=&-filter=ETH_GROUP;in;020,021,022,023,024&-ds_name=SB0700CSA10&-_highValue=&-geo_id=01000US&-_filterValue=020&-_filterValue=021&-_filterValue=022&-_filterValue=023&-_filterValue=024&-_selOp=eqhttp://dc-fserv1/data/HEALTH/Isabel/Minority-owned%20small%20biz/Coverage%20http:/www.nap.edu/openbook.php%3frecord_id=10260&page=R1http://dc-fserv1/data/HEALTH/Isabel/Minority-owned%20small%20biz/Coverage%20http:/www.nap.edu/openbook.php%3frecord_id=10260&page=R1http://www.census.gov/hhes/www/hlthins/data/incpovhlth/2009/tables.htmlhttp://www.census.gov/hhes/www/hlthins/data/incpovhlth/2009/tables.htmlhttp://www.census.gov/prod/2004pubs/p60-226.pdfhttp://www.kff.org/healthreform/upload/8016-02.pdfhttp://www.kff.org/healthreform/upload/8016-02.pdfhttp://www.kff.org/healthreform/upload/8016-02.pdfhttp://www.urban.org/uploadedpdf/411161_uninsured_americans.pdfhttp://www.cancer.org/acs/groups/content/@nho/documents/document/ffhispanicslatinos20092011.pdfhttp://www.healthreform.gov/reports/healthdisparities/index.htmlhttp://minorityhealth.hhs.gov/templates/content.aspx?ID=3324http://minorityhealth.hhs.gov/templates/content.aspx?ID=3324http://www.healthreform.gov/reports/healthdisparities/index.htmlhttp://www.cancer.org/acs/groups/content/@nho/documents/document/ffhispanicslatinos20092011.pdfhttp://www.urban.org/uploadedpdf/411161_uninsured_americans.pdfhttp://www.kff.org/healthreform/upload/8016-02.pdfhttp://www.kff.org/healthreform/upload/8016-02.pdfhttp://www.kff.org/healthreform/upload/8016-02.pdfhttp://www.census.gov/prod/2004pubs/p60-226.pdfhttp://www.census.gov/hhes/www/hlthins/data/incpovhlth/2009/tables.htmlhttp://www.census.gov/hhes/www/hlthins/data/incpovhlth/2009/tables.htmlhttp://dc-fserv1/data/HEALTH/Isabel/Minority-owned%20small%20biz/Coverage%20http:/www.nap.edu/openbook.php%3frecord_id=10260&page=R1http://dc-fserv1/data/HEALTH/Isabel/Minority-owned%20small%20biz/Coverage%20http:/www.nap.edu/openbook.php%3frecord_id=10260&page=R1http://factfinder.census.gov/servlet/IBQTable?_bm=y&-_lowValue=&-filter=ETH_GROUP;in;020,021,022,023,024&-ds_name=SB0700CSA10&-_highValue=&-geo_id=01000US&-_filterValue=020&-_filterValue=021&-_filterValue=022&-_filterValue=023&-_filterValue=024&-_selOp=eq


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Better Health Means Better Business

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