This article focuses on racial and ethnic disparities in health care, descr
ibing both absolute differences and relative changes in access to care and
the use of health services among whites, blacks, and Hispanics over the pas
t two decades. Using data from a series of three nationally representative
medical expenditure surveys, the authors present descriptive statistics on
disparities in access and use between minorities and whites over time. They
also use multivariate analyses to isolate the extent to which health insur
ance and income explain those disparities. The authors find that disparitie
s increased between 1977 and 1996, particularly for Hispanic Americans. Res
ults also show that approximately one half to three quarters of the dispari
ties observed in 1996 would remain even if racial and ethnic disparities in
income and health insurance coverage were eliminated.