Table 4.

Multivariate logistic regression model of enrolling in the National Health Insurance Scheme

Variable	Unadjusted OR	95% CI	Adjusted OR	95% CI
Wealth quintile
Poorest	1.00		1.00
Poorer	0.92	0.82 to 1.02	1.33***	1.17 to 1.50
Middle	0.89*	0.79 to 0.99	1.54***	1.36 to 1.75
Richer	0.98	0.88 to 1.09	1.94***	1.70 to 2.22
Richest	0.76***	0.69 to 0.84	1.67***	1.45 to 1.91
Highest education
None	1.00		1.00
Primary	1.05	0.98 to 1.14	1.65***	1.51 to 1.80
Secondary	1.27***	1.12 to 1.44	2.35***	2.03 to 2.72
Tertiary	1.75***	1.55 to 1.99	2.87***	2.48 to 3.32
Employment status
Unemployed	1.00		1.00
Employed	0.85**	0.76 to 0.95	0.99	0.87 to 1.12
Sex of household head
Male	1.00		1.00
Female	1.11**	1.03 to 1.19	1.52***	1.39 to 1.65
Age of household head
19–24	1.00		1.00
25–44	1.99***	1.72 to 2.31	1.53***	1.31 to 1.79
45–64	2.38***	2.05 to 2.77	1.69***	1.43 to 1.99
65–79	3.43***	2.87 to 4.08	3.05***	2.51 to 3.69
80+	3.18***	2.47 to 4.08	3.28***	2.49 to 4.34
Household size	1.17***	1.15 to 1.18	1.23***	1.20 to 1.25
Household setting
Urban	1.00		1.00
Rural	0.97	0.91 to 1.04	0.75***	0.69 to 0.82
Geographic region
Western	1.00		1.00
Central	0.64***	0.55 to 0.73	0.63***	0.54 to 0.73
Greater Accra	0.79**	0.69 to 0.90	0.63***	0.52 to 0.69
Volta	1.89***	1.62 to 2.21	2.04***	1.73 to 2.39
Eastern	1.34***	1.16 to 1.53	1.39***	1.20 to 1.62
Ashanti	1.16*	1.01 to 1.32	1.08	0.94 to 1.25
Brong-Ahafo	2.68***	2.27 to 3.15	3.06***	2.58 to 3.62
Northern	1.07	0.92 to 1.22	1.32***	1.13 to 1.54
Upper East	4.30***	3.56 to 5.19	5.99***	4.91 to 7.31
Upper West	3.62***	3.01 to 4.33	5.04***	4.14 to 6.15
_cons			0.23***	0.18 to 0.29
Number of obs.	16 693
LR chi2(24)	2236.6
Prob>chi2	0.0000
Pseudo R2	0.1106

Control variables: education of household head, employment status of household head, sex of household, age of household head, household size, household setting and geographic region.

***P<0.001; **P<0.01; *P<0.05.