Table 7.

Conditional logistic regression model for likelihood of incurring CHE [incurred CHE = 1; otherwise = 0] over one year period

NHIF status	CHE due to OOP healthcare costs as the dependent variable			CHE due to OOP healthcare and transport costs as the dependent variable
	Odds Ratio (95% CI)	Std. Error	p-value	Odds Ratio (95% CI)	Std. Error	p-value
No NHIF (Inactive + No NHIF) (wave 1–4) (Ref)
†Active NHIF (wave 1–4)	0.67 (0.22–2.02)	0.38	0.47	0.69 (0.29–1.66)	0.31	0.41
No NHIF (Inactive + No NHIF) (wave 1–4) (Ref)
‡Active NHIF (wave 1–4)	0.99 (0.67–1.46)	0.20	0.96	0.88 (0.62–1.24)	0.16	0.47

^†Per protocol analysis; ^‡Intention to treat analysis