Health Insurance Coverage Status, by Race/Ethnicity

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Learn More About Health Care

Measures of Health Care on Kidsdata.org
Kidsdata.org’s health care measures include:
* Public health insurance includes both means-tested coverage (e.g., Medicaid/Medi-Cal, CHIP) and non-means-tested coverage (e.g., Dept. of Defense TRICARE, Indian Health Service). Means testing considers financial circumstances in determining eligibility.

† Medicaid is a federal program providing health coverage to eligible low-income children and families; Medi-Cal is California's Medicaid program. Children's Health Insurance Program (CHIP) is a federal program providing coverage to children up to age 19 in families with incomes too high to qualify them for Medicaid, but too low to afford private coverage. California's CHIP program was called the Healthy Families Program (HFP). Although California continues to receive CHIP funding, in 2013 HFP enrollees were transitioned into Medi-Cal.

‡ A medical home is a model of delivering primary care that is accessible, family centered, continuous, comprehensive, coordinated, compassionate, and culturally effective. For more information, visit the American Academy of Pediatrics.
Health Care
Asthma
Characteristics of Children with Special Needs
Access to Services for Children with Special Needs
Children's Emotional Health
Impacts of Special Health Care Needs on Children and Families
Quality of Care for Children with Special Health Care Needs
Dental Care
Hospital Use
Immunizations
Youth Suicide and Self-Inflicted Injury
Injuries
Prenatal Care
Why This Topic Is Important
According to the American Academy of Pediatrics, every child should receive high-quality health care that is accessible, family centered, culturally effective, coordinated, continuous, compassionate, and comprehensive (1). This care is best delivered through a medical home—a primary care model in which all of a child's health needs are met through partnerships between the family, clinical professionals, and community resources (1). This model is associated with better health outcomes and lower costs, as children who receive care in the context of a medical home are more likely to have regular preventive check-ups (which can lead to the early identification and treatment of problems) and are less likely to have unmet needs, emergency room visits, and in-patient hospital stays (1). However, estimates indicate that fewer than half of children receive care within a medical home, statewide and nationally (2).

Not surprisingly, children with adequate, consistent health insurance coverage are more likely to access needed care and to have positive health outcomes than those with coverage gaps or no coverage (3, 4, 5). Public insurance programs, such as Medicaid and the Children's Health Insurance Program (CHIP), play a crucial role in providing coverage for young people (more than half of Californians ages 0-20 are enrolled in Medi-Cal, the state’s Medicaid/CHIP program) and easing the strain of health care costs on family budgets (4, 6). Research shows that Medicaid enrollment in childhood is associated with a host of lifelong benefits, including improved educational outcomes, fewer health problems later in life, and higher incomes in adulthood (3, 4).
One effective way for young people to access health services is through school-based health centers (SBHCs). These centers, whether located on school property or near a school, reduce disparities in access to care by offering a range of services to underserved or uninsured students, such as preventive and primary medical care, mental and behavioral health care, dental care, substance abuse services, and health and nutrition education. Nearly 4,000 SBHCs operate nationwide (7). These centers have become a key part of the health care delivery system, as children spend a significant amount of time at school, and barriers such as transportation and scheduling are reduced. SBHCs can lead to improved health outcomes and school performance, while reducing health care costs (3).

For more information, see kidsdata.org’s Research & Links section.

Sources for this narrative:

1.  American Academy of Pediatrics. (2025). Patient and family-centered medical home. Retrieved from: https://www.aap.org/en/practice-management/care-delivery-approaches/patient-and-family-centered-medical-home

2.  As cited on kidsdata.org, Receipt of care within a medical home. (2026). National Survey of Children's Health.

3.  National Academies of Sciences, Engineering, and Medicine. (2024). Launching lifelong health by improving health care for children, youth, and families. National Academies Press. Retrieved from: https://nap.nationalacademies.org/resource/27835/interactive

4.  Williams, E., & Rudowitz, R. (2025). Medicaid and children's health: 5 issues to watch amid recent federal changes. KFF. Retrieved from: https://www.kff.org/medicaid/medicaid-and-childrens-health-5-issues-to-watch-amid-recent-federal-changes

5.  Lambrew, J. M., & Montz, E. (2025). Closing health coverage gaps: The impact of enrollment and retention policies. Commonwealth Fund. Retrieved from: https://www.commonwealthfund.org/publications/issue-briefs/2025/oct/closing-health-coverage-gaps-impact-enrollment-retention

6.  As cited on kidsdata.org, Medi-Cal average monthly enrollment. (2026). California Department of Health Care Services.

7.  Medicaid and CHIP Payment and Access Commission. (2025). School-based health centers and behavioral health care for students enrolled in Medicaid. Retrieved from: https://www.macpac.gov/publication/school-based-health-centers-and-behavioral-health-care-for-students-enrolled-in-medicaid
How Children Are Faring
An estimated 97% of California children ages 0-18, and 95% of children nationwide, had some form of health insurance coverage in 2021—up from less than 90% in 2008. Despite these gains, gaps persist. For example, more than 1 in 20 American Indian/Alaska Native children statewide were uninsured in 2021, compared with around 1 in 25 Hispanic/Latino children, and fewer than 1 in 40 white children.

More than three in five California children ages 0-18 (62%) were enrolled in Medicaid or CHIP at some point during the 2021 federal fiscal year, a larger share than the percentage enrolled nationally (56%). In calendar year 2024, more than half (52%) of the state's young people ages 0-20 were enrolled in Medi-Cal per month on average, with figures ranging from 23% (Placer) to 78% (Tulare) across counties with data. Statewide, average monthly Medi-Cal enrollments among African American/black (64%) and Hispanic/Latino (63%) children and youth were more than double the enrollment rates for their Asian/Pacific Islander (25%) and white (23%) peers.

Parent reports from 2016-2019 show that 43% of the state's children ages 0-17 received health care within a medical home, compared with 48% nationwide. Across California regions, estimates of children receiving care within a medical home ranged from 35% (Merced County) to 54% (Marin County).
In 2017-2018, 9% of California children ages 0-17, and 12% of lower-income children, had no usual source of health care. Estimates by race/ethnicity ranged from 8% (white, multiracial) to 18% (Hispanic/Latino). Statewide and across demographic groups, children's usual source of health care was most commonly a doctor's office or HMO, rather than hospitals, clinics, urgent care, emergency rooms, or other settings. For children living below 200% of the federal poverty threshold, 45% usually used a doctor's office or HMO, compared with 76% of children in higher-income families. Among children who needed medical care in 2017-2018, 3% either did not receive the care they needed or received it after a delay. For around a third of these children (32%), needed care was delayed or foregone for cost or insurance reasons, and for a quarter (25%) because of system or provider issues.

California had 291 school health centers in 2021, up from 153 in 2009. However, many of the state's counties (23 of 58) did not have any school health centers in 2021. When asked whether their school provides adequate health services for students, 29% of responses from elementary school staff, 26% of responses by middle school staff, 22% of responses by high school staff, and 31% of responses by staff at non-traditional schools reported strong agreement in 2017-2019.
Policy Implications
Children with health insurance are more likely to receive the medical care they need, are less likely to have costly emergency room visits and hospitalizations, and tend to have better health and educational outcomes than their uninsured peers (1, 2). Research shows that government investments in health care for children pay off, yielding long-term health and economic benefits for individuals, families, and society (1). Among public programs (some which return more than $10 per $1 invested), payoffs from Medicaid are especially high (1).

Beyond insurance, children also need access to effective systems of care, including a medical home—in which parents, clinicians, and service providers are partners in a whole-family approach to improving child health—and an appropriately trained and diverse provider base with a sufficient number of subspecialists (1, 2, 3, 4). Older adolescents and young adults, children of color, and young people living in poverty or in immigrant families—especially children with undocumented parents—are at particular risk of being uninsured and without regular health care (2, 5, 6).

The U.S. health policy landscape has changed significantly in recent years. While the Affordable Care Act and COVID-19 relief measures led to the lowest percentages of uninsured children on record, recent federal policy changes threaten to reverse progress made in California and other states to further bolster access to high-quality, affordable coverage and care for families (7, 8, 9). With as many as 3 million Californians expected to lose insurance in the coming decade (11 million nationwide), coordinated action is needed at all levels of government and across sectors to minimize losses (8, 9). Efforts also should focus on addressing ongoing challenges related to system fragmentation and uneven access—particularly for groups facing structural disadvantage—and on advancing equity, stable financing, prevention, community engagement, and data integration (1).

Policy and systems strategies that could improve children's health care include:
  • Supporting efforts to ensure continuous insurance coverage for all low-income children and families, including immigrant families; this includes maintaining investments in public insurance programs serving children and continuing to improve enrollment processes and community-based outreach to families (1, 2, 6)
  • Improving financial incentives for providers serving children in Medi-Cal (California's Medicaid program), particularly in underserved communities (1, 2)
  • Ensuring that all children, particularly those with chronic conditions, have access to family centered, culturally competent, and coordinated health care; that there is an adequate number of pediatric specialty care providers; and that pediatricians are trained on medical home implementation and management of care for children with complex needs (1, 10)
  • Increasing the diversity of the health care workforce and expanding training for health professionals on culturally effective practice (1, 4, 5, 11)
  • Promoting health education for families and providers in service settings, such as child care, home-visiting programs, and foster care homes (1, 3)
  • Ensuring the financial viability of safety net providers, such as county hospitals and community clinics, which are important sources of care for low-income people and undocumented immigrants (12)
  • Continuing to support and expand school-based health services, which have been shown to improve access to care for students of color, low-income children, and those in rural areas (1, 11)
  • Promoting collaboration across sectors—health, education, social services, and others—to improve prevention, screening, and early intervention services for children; also, supporting a comprehensive approach to health care that goes beyond treating illness to addressing social determinants of health, such as access to healthy food and safe housing (1)
For more information, see kidsdata.org’s Research & Links section or visit the National Academy for State Health Policy and the American Academy of Pediatrics.

Sources for this narrative:

1.  National Academies of Sciences, Engineering, and Medicine. (2024). Launching lifelong health by improving health care for children, youth, and families. National Academies Press. Retrieved from: https://nap.nationalacademies.org/resource/27835/interactive

2.  Kusma, J. D., et al. (2023). Medicaid and the Children's Health Insurance Program: Optimization to promote equity in child and young adult health. Pediatrics, 152(5), e2023064088. Retrieved from: https://publications.aap.org/pediatrics/article/152/5/e2023064088/194465/Medicaid-and-the-Children-s-Health-Insurance

3.  Damian, A. J., et al. (2025). The state of healthy parenting in primary care interventions in advancing health equity. NAM Perspectives. Retrieved from: https://nam.edu/perspectives/the-state-of-healthy-parenting-in-primary-care-interventions-in-advancing-health-equity

4.  Orr, C. J., et al. (2024). Diversity, equity, and inclusion, child health, and the pediatric subspecialty workforce. Pediatrics, 153 (Suppl. 2), e2023063678S. Retrieved from: https://publications.aap.org/pediatrics/article/153/Supplement%202/e2023063678S/196584/Diversity-Equity-and-Inclusion-Child-Health-and

5.  California Department of Public Health. (2025). Demographic report on health and mental health in California. Retrieved from: https://www.cdph.ca.gov/Programs/OHE/Pages/HERSS/Data-and-Publications/Demographic-Report.aspx

6.  Pillai, A., et al. (2025). State health coverage for immigrants and implications for health coverage and care. KFF. Retrieved from: https://www.kff.org/racial-equity-and-health-policy/state-health-coverage-for-immigrants-and-implications-for-health-coverage-and-care

7.  State Health Facts. (2025). Health insurance coverage of children 0-18. KFF. Retrieved from: https://www.kff.org/state-health-policy-data/state-indicator/children-0-18

8.  Orbach-Mandel, H., & Ramos-Yamamoto, A. (2025). The state of health coverage in California: Progress, disparities, and policy threats. California Budget and Policy Center. Retrieved from: https://calbudgetcenter.org/resources/california-health-coverage-progress-disparities-and-policy-threats

9.  Tolbert, J., et al. (2025). The uninsured population and health coverage. In D. Altman (Ed.), Health policy 101. Retrieved from: https://www.kff.org/health-policy-101-the-uninsured-population-and-health-coverage

10.  Turchi, R. M., et al. (2023). Patient- and family-centered care coordination: A framework for integrating care for children and youth across multiple systems. Pediatrics, 133(5), e1451-e1460. Retrieved from: https://publications.aap.org/pediatrics/article/133/5/e1451/32796/Patient-and-Family-Centered-Care-Coordination-A

11.  Bowen, A. E., et al. (2025). The promise of school-based health centers to enhance youth mental health equity. Journal of School Health, 95(7), 566-570. Retrieved from: https://onlinelibrary.wiley.com/doi/10.1111/josh.70024

12.  McConville, S., & Mustala, S. (2025). California's health care safety net. Public Policy Institute of California. Retrieved from: https://www.ppic.org/publication/californias-health-care-safety-net
Websites with Related Information
Key Reports and Research
County/Regional Reports
More Data Sources For Health Care