TABLE 3.
Multivariate Analyses of Characteristics Associated With Being Switched to an HDHP Versus Staying in a Traditional Plan, Stratified According to Employer Size
| Characterstic | OR of Being Switched to HDHP Versus Staying in Traditional Plan (95% CI) |
|
|---|---|---|
| Small Employers (n = 3557)a | Large Employers (n = 2406)b | |
| Mean age of children, y | 1.01 (0.99–1.04) | 0.99 (0.95–1.03) |
| Subscriber age, mean, y | 1.00 (0.99–1.02) | 1.00 (0.97–1.03) |
| No. of children in family | 0.85 (0.77–0.95) | 0.81 (0.65–1.02) |
| High-poverty block group | 1.10 (0.82–1.48) | 1.78 (1.12–2.83) |
| Low-education block group | 0.70 (0.43–1.12) | 0.70 (0.36–1.38) |
| Above-average family morbidity | 0.57 (0.46–0.70) | 1.24 (0.83–1.87) |
| Chronic condition in child | 0.93 (0.77–1.12) | 1.24 (0.86–1.78) |
| Chronic condition in adult | 1.03 (0.85–1.24) | 0.92 (0.64–1.34) |
| Baseline total expenditures >$7000 | 0.75 (0.59–0.95) | 1.34 (0.86–2.08) |
| Baseline OOP expenditures >$450 | 1.42 (1.14–1.78) | 1.12 (0.69–1.82) |
Multivariate models include all variables listed.
a
Two to 50 employees.
b
More than 50 employees.