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Contents: Original Research

Racial and Ethnic Disparities in Perinatal Insurance Coverage

Daw, Jamie R. PhD; Kolenic, Giselle E. MA; Dalton, Vanessa K. MD, MPH; Zivin, Kara PhD, MS; Winkelman, Tyler MD, MSc; Kozhimannil, Katy B. PhD, MPA; Admon, Lindsay K. MD, MSc

Author Information
doi: 10.1097/AOG.0000000000003728

Racial and ethnic disparities in maternal health outcomes are a national public health crisis.1 Black non-Hispanic and indigenous women face greater risk of maternal morbidity2 and are two to four times more likely to die from pregnancy-related causes compared with white non-Hispanic women1; some groups of Asian and Hispanic women also face higher risks of maternal morbidity and mortality.2,3

In a recent report, the Centers for Disease Control and Prevention (CDC) identified lack of access to quality care as a key contributor to pregnancy-related deaths.4 Health insurance enrollment is a prerequisite for access to quality health care before, during, and after pregnancy.5 Limited evidence on racial–ethnic differences in perinatal insurance status suggests that significant disparities exist. In 2016, 7% of Hispanic women were uninsured at birth compared with only 3.5% of white women.6 There are also racial–ethnic differences in the type of coverage that pregnant women hold at delivery: a higher proportion of births to white women were paid by private insurance (63.3%) compared with black women (27.7%), indigenous women (19.7%) and Hispanic women (28.4%) in 2016.6 Finally, there is also evidence of racial–ethnic differences in perinatal insurance continuity: an analysis of data from 29 states in 2009 found that black non-Hispanic, Hispanic, and indigenous women were more likely to report unstable coverage from preconception to delivery.7

The objective of this cross-sectional analysis was to investigate the association between maternal race–ethnicity and insurance status before, during, and after pregnancy and the frequency of insurance disruptions across these time points.


We used PRAMS (the Pregnancy Risk Surveillance and Monitoring System) survey data collected in 40 states and New York City from 2015 to 2017. The CDC Division of Reproductive Health administers PRAMS in collaboration with state health departments.8 From birth certificate data, participating states select a sample representative of all women who delivered a liveborn neonate. The survey collects data using a standardized mail and telephone survey of recently postpartum women, including demographic characteristics, insurance status, health care utilization, and health outcomes before, during, and after pregnancy. As in prior studies, we limited our sample to respondents with complete insurance information (93.9% of the total sample).7,9

We used PRAMS data to classify insurance status at three time points: 1) preconception, measured as insurance held in the month before conception; 2) delivery, measured as the primary payer for the childbirth episode; and 3) postpartum, measured as insurance held at the time of the postpartum survey. Nearly all women (97.1%) completed the survey 3 or more months after childbirth. Preconception and postpartum insurance variables were self-reported. For 88.9% of women, we coded delivery insurance as the primary payer for childbirth recorded by the delivery institution (eg, hospital) on the birth certificate. For the remaining 12.0% of women without payment information from the birth certificate, we used self-reported delivery insurance. For all women in the sample with both birth certificate and self-reported responses for delivery, 88.3% had concordant responses.

We followed methods that the CDC previously used to hierarchically characterize insurance coverage at each time point into one of three categories: Medicaid, private, or uninsured.7 The Medicaid category included women who reported enrollment in Medicaid or a state-named Medicaid program. The private category included women who reported private insurance alone or in combination with Medicaid and women who reported TRICARE or other military insurance. The uninsured category included women who reported no insurance. Consistent with the U.S. Census,10 other national surveys,11 and previous analyses of the PRAMS,7 women who reported only Indian Health Service (IHS) were also classified as uninsured. This is because the IHS provides a system of health care delivery, largely primary care, not health insurance.10 The only exception was Alaska, where the IHS response option on the PRAMS included other state-specific programs, and thus was classified as Medicaid.7

We also generated four measures of insurance continuity between each time point: 1) continuous insurance, defined as insured with no change in insurance status; 2) private–Medicaid discontinuity, defined as moving between Medicaid and private coverage; 3) uninsurance discontinuity, defined as moving between any type of insurance and uninsurance; and 4) continuous uninsurance, defined as being without insurance with no change in insurance status.

The PRAMS survey data include maternal race–ethnicity information from the birth certificate. These self-reported variables are collected using a maternal worksheet and entered into the birth certificate application by the delivery facility. PRAMS does not include information on maternal place of birth or immigration status; however, recent commentary has suggested that perinatal outcomes for Hispanic women should be reported separately by country of origin to account for the growing disparity in birth outcomes for U.S.-born and non–U.S.-born Hispanic women.12,13 Further, studies of uninsurance among reproductive-aged women have found that nearly 1 in 3 noncitizen women are uninsured, compared with 9% of U.S.-born citizens.14 Thus, we used primary language (English or Spanish) as a proxy for country of origin for Hispanic women. Language is one of the most frequently used, and strongest predictors of, acculturation,15 and has been used as a proxy for nativity or acculturation in other studies of health disparities among Hispanic populations in the United States.16 This resulted in seven distinct race–ethnicity categories: white non-Hispanic; black non-Hispanic; Hispanic Spanish-speaking; Hispanic English-speaking; indigenous (American Indian or Alaskan Native), Asian and Pacific Islander; and a composite of missing, unknown, or mixed race.

We calculated the unadjusted, weighted proportion of women with each insurance category for each perinatal time point, as well as the proportion of women within each category of insurance continuity from preconception to postpartum. We also examined unadjusted estimates of uninsurance for each time point by state of residence. We stratified all descriptive statistics by race–ethnicity.

We used multivariable logistic regression models to estimate the association between uninsurance at each time point and race–ethnicity, adjusting for age, education, marital status, state of residence, and household income as a percentage of the federal poverty level. An interaction between household income and race–ethnicity was also included as racial–ethnic disparities in insurance status may vary by income level given differences in insurance options for women of different incomes. Categorical coverage of pregnancy under Medicaid covers women up to 200% of the federal poverty level in the median state; income-based Medicaid covers parents and caregivers up to 138% of the federal poverty level in the median state; Affordable Care Act Marketplace subsidies cover women from 100 to 400% of the federal poverty level in all states; and employer-sponsored coverage covers working, generally higher income, women. For interpretability, we reported the results of the logistic regression models as predicted probabilities. We also calculated the adjusted average marginal differences in the predicted probability of uninsurance between white non-Hispanic women (the reference category) and other racial–ethnic categories.

We set a 95% CI a priori and conducted all analyses using Stata 15.1. Design features and survey weights provided by the CDC were applied with Stata's survey commands to account for the complex survey design. We calculated predicted probabilities using the Stata margins command with covariates held at observed sample values. The University of Michigan Institutional Review Board deemed this study of de-identified survey data exempt from review.


The sample included 107,921 women with complete insurance information. Table 1 presents the demographic characteristics of the sample.

Sample Characteristics by Race–Ethnicity

The unadjusted rate of uninsurance at preconception was 9.4% (95% CI 9.0–9.8) among white non-Hispanic women (Fig. 1; Appendix 1 [Appendix 1 is available online at]). We found higher rates of preconception uninsurance among black non-Hispanic (12.8%, 95% CI 12.0–13.7), Hispanic English-speaking (22.3%, 95% CI 20.6–24.1), Hispanic Spanish-speaking (55.1%, 95% CI 53.0–57.1), and indigenous women (23.7%, 95% CI 21.3–26.2). At delivery, all race–ethnicities except Hispanic Spanish-speaking women (13.6%, 95% CI 12.1–15.1) had rates of uninsurance less than 5%. Patterns of uninsurance in the postpartum period were similar to preconception. Notably, half of Hispanic Spanish-speaking women were uninsured postpartum (53.4%, 95% CI 51.4–55.5).

Fig. 1.
Fig. 1.:
Insurance status by time period and race–ethnicity. Data are weighted proportions; other, mixed, or unknown race–ethnicity not shown.Daw. Racial–Ethnic Disparities in Perinatal Insurance Coverage. Obstet Gynecol 2020.

White non-Hispanic (75.3%, 95% CI 74.7–75.8) and Asian and Pacific Islander (75.5%, 95% CI 73.7–77.2) women had higher rates of continuous insurance compared with all other racial–ethnic categories (Fig. 2; Appendix 2 [Appendix 2 is available online at]). Only 55.4% of black non-Hispanic women had continuous insurance (95% CI 54.2–56.6); 24.9% experienced a private–Medicaid discontinuity (95% CI 23.8–25.9), and 19.2% experienced an insurance–uninsurance discontinuity (95% CI 18.2–20.2). Approximately 50% of indigenous women had continuous insurance (95% CI 46.8–53.0); 17.3% had a private–Medicaid discontinuity (95% CI 15.0–19.8); and 31.5% has an uninsurance discontinuity (95% CI 28.9–34.2). Hispanic Spanish-speaking women had the lowest rate of continuous insurance (20.5%, 95% CI 18.9–22.2), a result of high rates of insurance–uninsurance discontinuity (59.0%, 95% CI 57.0–61.1) and continuous uninsurance (8.5%, 95% CI 7.3–9.9).

Fig. 2.
Fig. 2.:
Insurance continuity from preconception to postpartum by race–ethnicity. Data are weighted proportions; other, mixed, or unknown race–ethnicity not shown.Daw. Racial–Ethnic Disparities in Perinatal Insurance Coverage. Obstet Gynecol 2020.

Among black non-Hispanic women, the percentage with any period of uninsurance ranged from 6.7% (95% CI 2.7–15.9) in New Mexico to 47.0% in South Dakota (95% CI 36.6–57.7) (Appendix 3, available online at In 18 states, at least two thirds of Hispanic Spanish-Speaking women experienced uninsurance in the perinatal period. State variation was also wide among white non-Hispanic women, ranging from 2.6% (95% CI 1.8–3.9) in Massachusetts to 29.8% (95% CI 26.7–33.2) in Texas. We did not calculate state-specific estimates for indigenous or Asian-Pacific Islander women owing to small sample sizes.

In adjusted analyses, we found the widest racial disparities in uninsurance in the preconception and postpartum period for women in the lowest income brackets (less than 138% of the federal poverty level and 139–199% of the federal poverty level ) (Fig. 3; Appendix 4 [Appendix 4 is available online at]). For women at less than 138% of the federal poverty level, the predicted probability of uninsurance was 31.7 percentage points (95% CI 28.5–34.9) and 31.4 percentage points (95% CI 28.1–34.7) higher among Hispanic Spanish-speaking women compared with white non-Hispanic women in the preconception and postpartum periods, respectively. Hispanic English-speaking women with incomes less than 138% of the federal poverty level also had a higher predicted probability of preconception uninsurance (7.9 percentage points higher; 95% CI 5.2–10.6) and postpartum uninsurance (9.0 percentage points higher; 95% CI 6.4–11.5) compared with white non-Hispanic women. For each time point, black non-Hispanic women had significantly lower or similar (no statistical difference) probabilities of uninsurance compared with white non-Hispanic women, despite having significantly higher unadjusted rates of preconception and postpartum uninsurance.

Fig. 3.
Fig. 3.:
Adjusted predicted probability of uninsurance by time period, race–ethnicity, and household income. Preconception (A), delivery (B), and postpartum (C). Data are predicted probabilities calculated based on a logistic regression model adjusted for age, education, marital status, state of residence, household income, and an interaction term between household income and race–ethnicity; all covariates held at sample observed values. Bars represent 95% CIs. Asian or Pacific Islander and other, mixed, or unknown race–ethnicity are not shown.Daw. Racial–Ethnic Disparities in Perinatal Insurance Coverage. Obstet Gynecol 2020.

In general, the magnitude of racial–ethnic differences decreased with increasing household income. For the highest income bracket (400% of the federal poverty level or higher), we found higher uninsurance rates for indigenous women at each time point. We did not find statistically significant racial–ethnic differences in uninsurance for black non-Hispanic or Hispanic women in the highest income bracket.


Using multistate data from 2015 to 2017, we found wide racial–ethnic disparities in insurance status and continuity of insurance coverage across the preconception, pregnancy, and postpartum periods. In the general adult and pediatric populations, uninsurance and changes between types of insurance are associated with disruptions in physician care, increased emergency department use, worsened self-reported quality of care and poor health status.17–19 Racial–ethnic disparities in insurance stability, thus, may contribute to disparities in the receipt and continuity of care across the perinatal period.

Nearly half of all black non-Hispanic women had discontinuous insurance from preconception to postpartum and one in four experienced a private–Medicaid discontinuity. However, within income groups, we found that the adjusted predicted probability of preconception and postpartum uninsurance was lower or nonsignificant for black non-Hispanic compared with white non-Hispanic women. This suggests that the population-level black-white disparity in perinatal uninsurance is largely explained by lower average household incomes among black non-Hispanic women (50.4% had household incomes less than 138% of the federal poverty level in our sample) and, in turn, higher rates of Medicaid coverage during pregnancy, which is a less stable source of coverage (65.8% compared with 29.9% for white non-Hispanic women in our sample).

Spanish-speaking Hispanic women had the highest rates of discontinuous insurance, and nearly one in 10 were continuously uninsured from preconception to postpartum. This is consistent with prior research that identified non-English language as a predictor of postpartum uninsurance.20 This finding is likely to partly reflect the limited insurance options available to immigrant women. Legal immigrants, with the exception of refugees and asylees, are subject to a 5-year waiting period for Medicaid eligibility. Although marketplace subsidies are available to immigrant women with incomes between 100% and 400% of the federal poverty level, more than half of Hispanic Spanish-speaking women in our sample had incomes less than 138% of the federal poverty level. This group is likely also partially comprised of undocumented women, who account for nearly 7% of births in the United States21 and are four times more likely than U.S. citizens to be uninsured,22 a result of more limited access to employer-sponsored coverage and restrictions on eligibility for public programs such as Medicaid.

Finally, we found that half of indigenous women experienced discontinuous insurance from preconception to postpartum (50.1%). This heterogeneous group—which comprise women from tribal nations with varied cultures in diverse communities—is often not analyzed in studies of pregnancy-related outcomes; however, the limited studies of indigenous women have found higher rates of no or inadequate prenatal care23,24 and higher infant23 and maternal mortality1 rates compared with nonindigenous women.1,23,24 In this analysis, indigenous women had the highest rate of Medicaid coverage at delivery compared with any other racial–ethnic group. Thus, ensuring Medicaid stability before and after pregnancy may be critical for coverage continuity and access to care in this population.

This study has several limitations. First, the PRAMS survey does not contain the detail necessary to examine transitions in continuity across private insurance plans (private–private discontinuity) or Medicaid programs (Medicaid–Medicaid discontinuity). Thus, estimates of insurance disruptions are likely conservative. Second, we are not able to examine within-plan changes that could affect the continuity of care, for example, if a woman's provider is removed from her insurer’s network over the course of pregnancy. Third, the results may not generalize to the 10 states not included in the survey, namely, Arizona, California, Florida, Idaho, Indiana, Minnesota, Mississippi, Nevada, North Carolina, and South Carolina. However, the included states represent a broad range of geographies and racial–ethnic compositions. The median income thresholds for Medicaid eligibility in 2019 are also similar in included and excluded states (138% of the federal poverty level and 102% of the federal poverty level for low-income parents, respectively, and 206% and 199% for pregnant women, respectively).25 Fourth, respondents self-report insurance status at the preconception and postpartum time points, which may be subject to recall and reporting bias. However, we would expect any reporting bias to be constant within individuals over the perinatal period, which would not affect measures of insurance changes. Finally, race–ethnicity information on the birth certificate could be subject to error or misreporting. Previous validation studies comparing race–ethnicity information from birth certificates to other sources have found high reliability for white, black, and Hispanic mothers, but lower specificity for indigenous populations.26–28 This could result in an underreporting of indigenous mothers in our sample.

The American College of Obstetricians and Gynecologists29 and the American Medical Association30 have recently called for interventions to mitigate perinatal insurance disruptions. One proposal, under consideration at the federal level31 and in several states,32 is the extension of pregnancy Medicaid coverage from 60 days to one year postpartum.32–35 Our findings suggest that this policy change has the potential to reduce racial–ethnic disparities in insurance disruptions experienced by Hispanic, black non-Hispanic, and indigenous women who are disproportionally enrolled in pregnancy Medicaid and experience higher rates of uninsurance in the postpartum period.

However, proposals to extend postpartum Medicaid do not address the disparities in uninsurance that we observed in the preconception period, which were similar in magnitude to those after birth. Reducing disparities in preconception coverage is also an important target for policy change, particularly as the prevalence of chronic conditions is rising among women giving birth in the United States.36 Many risk factors for adverse maternal and infant outcomes are best addressed before pregnancy, including chronic conditions, health behaviors, and exposures.37

In this analysis of data from 40 states, we found wide racial–ethnic disparities in perinatal insurance coverage and in continuity of coverage. Policies to improve continuity of coverage, especially for low-income Medicaid beneficiaries, are needed to reduce racial–ethnic disparities in perinatal uninsurance.


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