TABLE 3.
Estimated Adjusted Odds Ratios (AORs) for Models Predicting Problems Paying Medical Bills and Currently Paying Off Medical Bills: Arizona Residents Aged 18–64 Years, 2008
| Variable | Problems Paying Bills, AOR (95% CI) | Paying Off Bills, AOR (95% CI) |
| Insured | 0.88 (0.49, 1.57) | 1.15 (0.64, 2.06) |
| Inconsistent coverage | 2.48 (1.61, 3.82) | 1.22 (0.77, 1.93) |
| Underinsurance | ||
| Prescriptions | 0.76 (0.45, 1.26) | 0.69 (0.42, 1.14) |
| Mental health | 0.83 (0.61, 1.13) | 1.15 (0.86, 1.54) |
| Dental | 1.00 (0.74, 1.36) | 1.28 (0.95, 1.72) |
| Health status | ||
| Chronic physical condition | 1.79 (1.33, 2.41) | 1.45 (1.11, 1.89) |
| Chronic psychological condition | 2.53 (1.47, 4.33) | 1.14 (0.64, 2.01) |
| Both | 0.73 (0.40, 1.35) | 1.39 (0.74, 2.63) |
| Fair or poor health | 1.96 (1.47, 2.61) | 1.72 (1.29, 2.28) |
| Income | ||
| Household income | 0.99 (0.982, 0.990) | 0.99 (0.991, 0.996) |
| Medicaid eligible | 0.55 (0.38, 0.82) | 0.50 (0.33, 0.75) |
| Income data missing | 0.89 (0.30, 2.63) | 0.23 (0.05, 0.96) |
| Type of insurance (Ref: employer-sponsored insurance only) | ||
| Medicare only | 1.99 (1.12, 3.54) | 2.39 (1.37, 4.19) |
| Medicaid only | 1.15 (0.73, 1.82) | 0.82 (0.50, 1.32) |
| Direct purchase only | 1.60 (0.93, 2.76) | 1.41 (0.87, 2.30) |
| Other/combination | 1.06 (0.66, 1.71) | 1.10 (0.69, 1.74) |
| Age | 1.09 (1.02, 1.18) | 1.11 (1.04, 1.20) |
| Age squared | 0.999 (0.998, 0.999) | 0.999 (0.998, 0.999) |
| Household status (Ref: couple as head of household) | ||
| Single female head of household | 0.91 (0.62, 1.33) | 0.94 (0.66, 1.32) |
| Single male head of household | 0.67 (0.42, 1.08) | 0.59 (0.37, 0.93) |
| Children in household | 1.62 (1.14, 2.31) | 1.62 (1.18, 2.21) |
| Single woman and children | 1.31 (0.77, 2.24) | 1.06 (0.64, 1.77) |
| Single man and children | 0.73 (0.29, 1.86) | 0.97 (0.40, 2.34) |
| Hispanic | 1.03 (0.76, 1.39) | 0.78 (0.58, 1.05) |
| Nagelkerke R2 | 0.209 | 0.118 |
Note. CI = confidence interval.