| where, | Y | = | 0, 1 variable indicating whether the family's response is correct, |
| Pj | = | indicator variables for the type of insurance plan, | |
| X | = | vector of other family characteristics, | |
| e | = | error term, | |
| δj, β | = | parameters to be estimated. |
| where, | Y | = | 0, 1 variable indicating whether the family's response is correct, |
| Pj | = | indicator variables for the type of insurance plan, | |
| X | = | vector of other family characteristics, | |
| e | = | error term, | |
| δj, β | = | parameters to be estimated. |