Exhibit 3. Analysis of Renewal, 2000–2009.
| Immediate Renewal | Renewal within 6 Month of Contract End | Renewal within 12 Months of Contract End | |
|---|---|---|---|
|
|
|||
| Premium Shift | -0.083*** (0.0024) |
-0.069*** (0.0024) |
-0.061 *** (0.0024) |
| Age | -0.0059 *** (0.00014) |
-0.0073 *** (0.00013) |
-0.0080 *** (0.00013) |
| Female | 0.0018 (0.0014) |
0.0028 (0.0014) |
0.0034 *** (0.0014) |
| African American | -0.019*** (0.0016) |
-0.0095*** (0.0015) |
-0.0069 *** (0.0015) |
| Other Race | -0.062 *** (0.0033) |
-0.062 *** (0.0032) |
-0.063 *** (0.0032) |
| Inpatient use | -0.026*** (0.0032) |
-0.029*** (0.0031) |
-0.033 *** (0.0031) |
| Chronic Condition | 0.14 *** (0.0016) |
0.14 *** (0.0015) |
0.14 *** (0.0015) |
| Previous Enrollment | 0.16 *** (0.0015) |
0.16 *** (0.0015) |
0.16 *** (0.0014) |
| 151-200% FPL | 0.044*** (0.0015) |
0.043*** (0.0014) |
0.042 *** (0.0014) |
| Large Town | -0.0023 (0.0022) |
-0.0070 *** (0.0021) |
-0.0086 *** (0.0021) |
| Small Town | -0.0040 * (0.0023) |
-0.0080 *** (0.0021) |
-0.0096 *** (0.0021) |
| Isolated Area | 0.0056*** (0.0025) |
0.0022 (0.0023) |
-0.000041 (0.0023) |
| Missing Rural | -0.094*** (0.0061) |
-0.11*** (0.0061) |
-0.12 *** (0.0060) |
| Time Trend | 0.0066*** (0.00043) |
0.0028*** (0.00043) |
0.00093*** (0.00042) |
| Constant | 0.55*** (0.0032) |
0.57*** (0.0028) |
0.60 *** (0.0028) |
| R2 | 0.044 | 0.047 | 0.048 |
| Observations | 569,650 | 569,650 | 569,650 |
Standard errors are in parentheses.
*, **, and *** indicates statistical significance at the 90, 95 and 99 percent confidence intervals, respectively.
Each model reports robust standard errors clustered on the individual.
SOURCE: Alabama ALL Kids Enrollment and Claims Files.