Family Home Businesses: Who Buys Health Insurance?

This study uses data from the Cooperative States Regional Research Project NE-167 to examine the factors that influence family home business owners in purchasing health insurance. Results indicate that net business income, full-time work, and a hospital reimbursement rate are positively related to the likelihood of buying health insurance although income from other sources is negatively related to purchasing it. Being male, a contractor, and having more education also indicates a greater probability of buying insurance. Implications for working with self-employed families are discussed.