Exhibit 4. Analysis of Differential Effects of Premium Shift, 2000–2009.
| Immediate Renewal | Renewal within 6 Months of Contract End | Renewal within 12 Months of Contract End | |
|---|---|---|---|
|
|
|||
| Premium Shift (PS) | -0.062***(0.0047) |
-0.042***(0.0047) |
-0.035***(0.0046) |
| Age | -0.0017***(0.00023) |
-0.0028***(0.00022) |
-0.0035***(0.00022) |
| PS X Age | -0.0067***(0.00029) |
-0.0072***(0.00029) |
-0.0072***(0.00029) |
| Female | -0.0027 (0.0022) |
-0.00075 (0.0021) |
-0.00015 (0.0021) |
| PS X Female | 0.0069*** (0.0027) |
0.0052*** (0.0026) |
0.0053*** (0.0027) |
| African American | 0.00057 (0.0024) |
0.0078*** (0.0023) |
0.0086*** (0.0023) |
| PS X African American | -0.029*** (0.0029) |
-0.026*** (0.0028) |
-0.024*** (0.0028) |
| Other Race | -0.10*** (0.0052) |
-0.11*** (0.0051) |
-0.11*** (0.0051) |
| PS X Other Race | 0.059*** (0.0063) |
0.070*** (0.0061) |
0.072*** (0.0060) |
| Inpatient use | -0.036*** (0.0050) |
-0.038*** (0.0049) |
-0.043*** (0.0049) |
| PS X Inpatient | 0.016*** (0.0065) |
0.014*** (0.0064) |
0.015*** (0.0063) |
| Chronic Condition | 0.16*** (0.0026) |
0.17*** (0.0024) |
0.17*** (0.0023) |
| PS X Chronic | -0.036***(0.0032) |
-0.042***(0.0029) |
-0.044***(0.0029) |
| Previous Enrollment | 0.11*** (0.0022) |
0.11*** (0.0022) |
0.11*** (0.0022) |
| PS X Previous Enroll | 0.076*** (0.0029) |
0.086*** (0.0029) |
0.086*** (0.0028) |
| FPL 151-200% | 0.074*** (0.0023) |
0.062*** (0.0023) |
0.160*** (0.0022) |
| PS X FPL | 0.047*** (0.0029) |
0.031*** (0.0028) |
0.028*** (0.0028) |
| Large Town | -0.0019 (0.0022) |
-0.0066*** (0.0021) |
-0.0081 (0.0021) |
| Small Town | -0.0038 (0.0022) |
-0.0078*** (0.0021) |
-0.0093*** (0.0021) |
| Isolated Area | 0.0058*** (0.0025) |
0.0023 (0.0023) |
0.00013 (0.0023) |
| Missing Rural | -0.094*** (0.0061) |
-0.11*** (0.0060) |
-0.12*** (0.0059) |
| Time Trend | 0.0075*** (0.00044) |
0.0042*** (0.00047) |
0.0021*** (0.00043) |
| Constant | 0.429*** (0.0038) |
0.52*** (0.0037) |
0.67*** (0.0054) |
| R2 | 0.047 | 0.051 | 0.051 |
| 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.