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Florida Ranks 7th Worst in the U.S. for Child Healthcare Risk, With 9.9% of Children Uninsured

3 Key Takeaways for Florida

  • Florida ranks #7 out of 50 states on the Child Healthcare Risk Index with a score of 70.0 out of 100, sitting 14.1 points behind top-ranked Texas and 8.9 points above the national average of 61.1.
  • At 9.9%, Florida has the fifth-highest share of uninsured children of any US state, nearly 1.46 times the national average of 6.8%, and 2.83 times higher than best-performing Rhode Island (3.5%).
  • 10.9% of Florida families report problems paying their child’s medical bills, and 21.1% report difficulty accessing specialist care, placing Florida slightly above the national average on bill burden and just below it on specialist access.

Every parent in Florida knows the quiet arithmetic of a sick child. It sits in the deductible already spent by mid-year, in the drive from a rural county to the nearest children’s hospital, and in the envelope that arrives weeks after the visit is over. From the suburbs of Miami to the Panhandle, from Tampa to the farming towns around Lake Okeechobee, too many parents are discovering that the path from a child’s first symptom to proper treatment is longer and more expensive than it should be.

The study, conducted by the Birth Injury Lawyers Group, analyzed data from the Data Resource Centre for Child and Adolescent Health database to calculate the Child Healthcare Risk Index. It evaluates all U.S. states using three weighted components: uninsured children rate (35 percent), difficulty accessing specialist care (25 percent), and medical bill burden (40 percent). Each indicator is normalized and combined into a composite score out of 100. Higher scores indicate greater child healthcare risk, allowing standardized comparison across states.

Florida State Profile: A Snapshot Against the Nation

IndicatorFloridaU.S. AverageFlorida National Rank
Uninsured Children9.9%6.8%#5
Difficulty Accessing Specialist Care21.1%23.8%#37
Families With Child Medical Bill Problems10.9%10.0%#17
Child Healthcare Risk Index (out of 100)69.99561.1#7

Top 10 States by Child Healthcare Risk Index

RankStateRisk Index (100)
1Texas84.1
2Wyoming77.7
3Indiana76.0
4Georgia72.8
5Nevada72.4
6Oklahoma70.2
7Florida69.995
8Missouri69.987
9Montana69.7
10Arizona69.5

Insights

Florida sits only 0.2 points behind sixth-place Oklahoma and a fraction of a point ahead of eighth-place Missouri, placing it in the tightest cluster of the Top 10, where four states are separated by less than half a point. 

Florida vs Its Bordering States

StateRisk Index (100)National RankGap vs Florida (points)
Florida (Baseline)69.995#7Baseline
Georgia72.8#42.8 above
Alabama60.9#289.1 below

Insights

As a peninsula, Florida shares a land border with just two states. Georgia ranks higher on the Risk Index (2.8 points above Florida), while Alabama trails by 9.1 points. 

Florida vs the Bottom 10 States (Lowest Child Healthcare Risk)

RankStateRisk Index (100)Gap vs Florida (points)
#7 (Florida)Florida69.995Baseline
#41Vermont52.117.9 below
#42Louisiana51.318.6 below
#43Connecticut51.318.7 below
#44California51.218.8 below
#45Michigan50.719.3 below
#46Maryland50.020.0 below
#47New York49.220.8 below
#48Massachusetts48.221.8 below
#49Hawaii40.129.9 below
#50Rhode Island38.731.3 below

Insights

Florida sits at least 17 points above every state in the Bottom 10, and as much as 31.3 points above top-performing Rhode Island. This means Florida families face nearly double the child healthcare risk of those in the safest states in the country.

Methodology

The Child Healthcare Risk Index evaluates all U.S. states using three weighted components: uninsured children rate (35 percent), difficulty accessing specialist care (25 percent), and medical bill burden (40 percent). Each indicator is normalized and combined into a composite score out of 100. Higher scores indicate greater child healthcare risk, allowing standardized comparison across states.

Data Sources

About the Client

Birth Injury Lawyers Group is a U.S.-based legal advocacy organization focused on birth injury and medical negligence cases. It analyzes healthcare disparities affecting mothers and children, with emphasis on access, affordability, and systemic gaps in outcomes across the United States.