Table 5.

Coefficient Estimates on the Determinants of Medical Care Use in Round 2 of CTSHS Survey

Variable	Coefficient	Std. Error	Coefficient	Std. Error	Coefficient	Std. Error
Enrolled in non-HMO in round 2
Non-HMO in round 1 (control)	1,302**	240	1,749**	323	795	549
HMO in round 1 (switcher)	1,421**	281	1,917**	405	851	616
Enrolled in HMO in round 2
HMO in round 1 (control)	1,258**	232	1,751**	318	722	577
Non-HMO in round 1 (switcher)	936**	252	1,431**	332	515	572
Female			55 2**	103	532**	102
Age (56–65 is omitted group)
Under 2 years of age			−228	653	506	790
Between 2 and 17			−1,201**	264	−523	510
Between 18 and 40			−832**	274	−318	303
Between 40 and 55			−715**	265	−412	269
Other potentially observable characteristics included?	NO		NO		YES
Number of observations	6,235		6,235		6,235

Notes: Dependent variable is medical care use in round 2, measured in dollars.

^**=significantly different from zero at the 5-percent level;

^*=significantly different from zero at the 10-percent level. Bold coefficients indicate that the expenditure difference in round 2 between the people switching plan types and those remaining in a particular plan type is significantly different from zero at the 5-percent level. All specifications include indicator variables for the site of the survey (usually a metropolitan statistical area). Additional potentially observable enrollee characteristics include: self-reported health, marital status, children, race, education, and household income. The constant is omitted. Sample includes people who had a choice between an HMO and a non-HMO plan in round 2.