TABLE 4.

A - Odd Ratio Estimates for Self-rated health by Hardship (summary score) Among Older Women (Gender-Stratified Models): Health and Retirement Study 2010
Characteristics	Model 1^a OR (95% CI)	Model 2^b OR (95% CI)	Model 3^c OR (95% CI)
Self-Rated Health
Hardship	1.64 (1.49, 1.80)^***	1.51 (1.37, 1.68)^***	1.43 (1.29, 1.60)^***

B - Odd Ratio Estimates for Self-rated health by Hardship (individual indicators) Among Older Women (Gender-Stratified Models): Health and Retirement Study 2010
Characteristics	Model 1^a OR (95% CI)	Model 2^b OR (95% CI)	Model 3^c OR (95% CI)
Self-Rated Health
Individual forms of hardship
Difficulty Paying Bills	3.00 (2.45, 3.68)^***	2.32 (1.87, 2.88)^***	2.03 (1.63, 2.54)^***
Ongoing Financial Strain	2.27 (1.85, 2.79)^***	1.93 (1.56, 2.39)^***	1.74 (1.39, 2.18)^***
Food Insecurity	3.39 (2.61,4.39)^**	1.95 (1.45, 2.62)^***	1.68 (1.23, 2.28)^***
Taking Less Medications - cost	3.60 (3.00, 4.33)^***	3.21 (2.54, 4.05)^***	2.87 (2.23, 3.70)^***

Note: CI=Confidence Intervals; OR=Odds Ratios

=0.05;

^**

=0.01;

^***

=<0.001

Model 1: baseline model (hardship and depressive symptoms)

Model 2: model 1 + demographic characteristics (age, gender, race/ethnicity, marital status, employment status)

Model 3: model 2 + sociodemographic characteristics (education, household income)

Hardship is defined as a summary score of all 4 binary indicators listed above. The scores were dichotomized. Those with 0 or 1 hardship (reference group) were compared to those with 2 or more hardships.