Table 4.
Adjusted Frequency of Financial Stress by Subsidy, Income, and Cost-Sharing Levela
| Income | Borrow Money | Cut Back on Necessity | ||
|---|---|---|---|---|
| Higher Cost Sharing | Lower Cost Sharing | Higher Cost Sharing | Lower Cost Sharing | |
| Public Subsidies | ||||
| Medicaid (≤100% of the FPL) | ||||
| Adjusted % | NA | 11.8 | NA | 6.7 |
| OR (95% CI) | 0.24 (0.05–1.30) | 0.31 (0.05–1.87) | ||
| CHIP (101%–250% of the FPL) | ||||
| Adjusted % | NA | 10.8 | NA | 10.3 |
| OR (95% CI) | 0.22 (0.05–0.91) | 0.51 (0.13–2.05) | ||
| Commercially Insured | ||||
| ≤250% of the FPL | ||||
| Adjusted % | 33.3 | 12.4 | 17.6 | 17.6 |
| OR (95% CI) | 1 [Ref] | 0.26 (0.07–0.95) | 1 [Ref] | 1.00 (0.28–3.58) |
| 250%–400% of the FPL | ||||
| Adjusted % | 19.4 | 12.3 | 28.2 | 10.4 |
| OR (95% CI) | 0.46 (0.07–3.05) | 0.26 (0.05–1.22) | 1.94 (0.32–11.61) | 0.52 (0.10–2.77) |
| >400% of the FPL | ||||
| Adjusted % | 8.0 | 3.8 | 8.6 | 4.2 |
| OR (95% CI) | 0.15 (0.02–0.96) | 0.07 (0.02–0.29) | 0.42 (0.07–2.39) | 0.18 (0.04–0.96) |
Abbreviations: See Table 3.
a
Logistic regression model adjusted for patient characteristics and weighted for sampling proportions. Boldface values are significantly different from the reference group at P < .05. Medicaid and CHIP income limits are for children and adolescents aged 6 to 18 years.