TABLE 3.

Adjusted and Unadjusted Cox Proportional Hazard Models of Early Marketplace Disenrollment, 2014–2016

	Unadjusted	Adjusted
Silver, no cost-sharing reduction	Reference	Reference
Bronze	1.05 (0.016)^**	1.07 (0.020)^***
Silver, cost-sharing reduction for incomes 200%–250% FPL	0.73 (0.064)^***	0.79 (0.072)^*
Silver, cost-sharing reduction for incomes 150%–200% FPL	0.59 (0.057)^***	0.68 (0.059)^***
Silver, cost-sharing reduction for incomes 100%–150% FPL	0.61 (0.052)^***	0.70 (0.067)^***
Gold	0.79 (0.073)^*	0.79 (0.057)^**
Female		1.00 (0.010)
Age (y)
0−17		1.30 (0.030)^***
18−29		1.70 (0.078)^***
30−44		1.48 (0.015)^***
45−63		Ref
ZIP code level factors (%)
Graduated high school		1.07 (0.020)^***
White		1.01 (0.046)
Black		1.07 (0.014)^***
Asian		1.11 (0.039)^**
Hispanic		1.16 (0.024)^***
Observations	307,937	307,937

All ZIP code level factors are standardized so that each additional unit of the predictor corresponds to a one-SD increase. Observations were clustered within person, within geographic area, and within health insurance plan. SEs were clustered at the highest level of aggregation (the plan).^14,15

FPL indicates Federal Poverty Level.

P < 0.10.

^**

P < 0.01.

^***

P < 0.001.