. Author manuscript; available in PMC: 2014 Nov 21.

Published in final edited form as: Health Aff (Millwood). 2013 May 15;32(6):1143–1152. doi: 10.1377/hlthaff.2012.1263

Exhibit 4.

Hazard Rates For Bankruptcy Filing Of Cancer Patients And Matched Group Without Cancer, Western Washington State, 1995–2009

Cancer type	Cancer patients and controls	Cancer^a	After new bankruptcy law^b	Nonmarried^c	Group-law interaction^d
All	395,680	2.65	0.57	1.24	0.67
Breast	68,390	2.41	0.55	1.52	0.79
Colorectal	34,488	3.02	0.60	1.22	0.59
Leuk/lymph	39,486	3.00	0.67	1.11	0.53
Lung	48,454	3.80	0.61	1.16	0.59
Melanoma	21,500	2.08	0.49	1.03	0.74
Prostate	65,932	2.32	0.49	1.30	0.75
Thyroid	9,960	3.46	0.62	1.29	0.53
Uterine	12,692	2.28	0.47	1.36	0.92
Other	94,778	2.97	0.58	1.11	0.64

SOURCE Authors’ analysis.

NOTES Hazard rates were calculated using Cox proportional hazards regression models and were significantly different from 1 (p = 0.05) except in the following cases: leukemia or lymphoma (leuk/lymph), lung, and melanoma for nonmarried versus married people; and melanoma and uterine for group-law interaction. People in the group without cancer were matched to cancer patients by age, sex, and ZIP code of residence. The individual cancer types listed are those with the highest cumulative incidence of bankruptcy among all cancer types examined from the National Cancer Institute’s Surveillance Epidemiology and End Results Program (SEER).

Reference is no cancer.

Reference is before October 17, 2005, when the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 went into effect.

Reference is married. Nonmarried is single, divorced, widowed, or marital status unknown.

Reference is cancer. This accounts for the differential impact of the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 on those with cancer versus those without cancer.