Table 2.

Determinants of PMI Prevalence, 1996–2000

	Model 1: Individually Purchased PMI (n=8,025)		Model 2: Employer- Financed PMI (n=5,069)
Independent Variables	Odds Ratio	p-Value	Odds Ratio	p-Value
Resident in London…relative to all other regions	0.69	.204	1.53	.219
Post secondary school qualifications…	7.92	<.001	6.31	<.001
Secondary school…	7.00	<.001	10.53	.002
Basic…relative to less than basic qualification	8.54	<.001	5.64	<.001
In paid work…relative to not in paid work	2.13	.001	–	–
Income (for every extra £1/month)	1.0002	<.001	1.001	<.001
Professional or manager…relative to semi-skilled, unskilled, or unemployed	1.84	.005	9.58	<.001
Female…relative to male	0.32	<.001	0.20	<.001
Age (for each added year)	1.29	<.001	1.67	<.001
Age2	0.999	<.001	0.99	<.001
Good health…	1.33	.239	1.51	.253
Average health…relative to poor health	1.10	.689	0.75	.444
Smoker…relative to nonsmoker	0.69	.079	0.28	<.001
Living with spouse or partner…relative to living without spouse or partner	1.15	.498	0.97	0.899
Center-Right voter…relative to Center-Left, other, or undecided voter	3.44	<.001	2.28	<.001
Inpatient waiting times	1.04	.002	0.99	.413
Outpatient waiting times	0.98	.020	1.03	.015
Supply of private surgeons	1.67	.041	3.22	<.001
Child in household	0.76	.155	0.65	.054
Over age 60 and post-1997	1.07	.758	n.a.	n.a.
Model probability>>x2	<0.0001		<0.0001

PMI=private medical insurance.