Table 5.

Surrogate Barriers to Insurance

Percentage (Number) of Respondents Identifying the Barrier	Commercial	Low-premium	Uninsured	p-value2
Leading Barriers to Insurance1	n = 61	n = 92	n = 108
High costs	54.1%(33)	53.3%(49)	59.3%(64)	0.66
Limited benefits	22.9%(14)	21.7%(20)	16.7%(18)	0.53
Lack of knowledge on insurance	8.2%(5)	4.3%(4)	12.0%(13)	0.15
Distrust of business practice	8.2%(5)	7.6%(7)	8.3%(9)	0.98
Poor service quality	9.8%(6)	6.5% (6)	7.4%(8)	0.75
Lack of government regulation	3.3%(2)	5.4% (5)	8.3%(9)	0.40
Complex procedure	3.3%(2)	9.8% (9)	4.6%(5)	0.18
Satisfaction with Insurance	n = 100	n = 135	n = 141	<0.001
Satisfied	48.0%(48)	48.1%(65)	16.3%(23)
Neutral	41.0%(41)	37.8%(51)	53.2%(75)
Dissatisfied	11.0%(11)	14.1%(19)	30.5%(43)

1. Respondents may choose multiple barrier items

2. Difference between the insured and uninsured groups tested via Chi-squared statistic