Table 2.
Variables | Rural to Urban Respondents | Urban to Urban Respondents | All Respondents | |||||||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
AOR/ICC † | SE | p Value | 95%CI | AOR/ICC | SE | p Value | 95%CI | AOR/ICC | SE | p Value | 95%CI | |||||
Fixed effects (Level 1) | ||||||||||||||||
Enrolment with a local social health insurance program | No (reference) | |||||||||||||||
Yes * | 1.56 | 0.10 | <0.001 | 1.38 | 1.77 | 1.46 | 0.17 | <0.001 | 1.16 | 1.83 | 1.47 | 0.09 | <0.001 | 1.30 | 1.65 | |
Gender | Male (reference) | |||||||||||||||
Female | 1.21 | 0.04 | <0.001 | 1.13 | 1.29 | 1.19 | 0.07 | <0.001 | 1.06 | 1.33 | 1.21 | 0.03 | <0.001 | 1.14 | 1.28 | |
Age (Years) | 15–24 (reference) | |||||||||||||||
25–34 | 1.00 | 0.07 | 0.95 | 0.87 | 1.15 | 1.10 | 0.12 | 0.38 | 0.89 | 1.36 | 1.01 | 0.07 | 0.85 | 0.88 | 1.16 | |
35–44 | 1.04 | 0.08 | 0.62 | 0.90 | 1.20 | 1.01 | 0.12 | 0.92 | 0.80 | 1.27 | 1.02 | 0.08 | 0.79 | 0.88 | 1.18 | |
45–54 | 0.93 | 0.07 | 0.39 | 0.80 | 1.09 | 1.02 | 0.15 | 0.89 | 0.76 | 1.36 | 0.95 | 0.07 | 0.45 | 0.82 | 1.09 | |
55+ | 1.09 | 0.15 | 0.51 | 0.84 | 1.43 | 1.31 | 0.19 | 0.07 | 0.98 | 1.75 | 1.20 | 0.14 | 0.13 | 0.95 | 1.51 | |
Marital status | Never married/Single (reference) | |||||||||||||||
Married | 1.31 | 0.09 | <0.001 | 1.14 | 1.50 | 1.31 | 0.14 | 0.01 | 1.06 | 1.62 | 1.32 | 0.10 | <0.001 | 1.14 | 1.53 | |
Divorced | 1.19 | 0.15 | 0.18 | 0.92 | 1.54 | 1.38 | 0.24 | 0.07 | 0.98 | 1.94 | 1.26 | 0.15 | 0.05 | 1.00 | 1.58 | |
Widowed | 1.12 | 0.22 | 0.55 | 0.77 | 1.64 | 1.22 | 0.42 | 0.57 | 0.61 | 2.41 | 1.12 | 0.20 | 0.52 | 0.80 | 1.58 | |
Educational attainment | Illiterate (reference) | |||||||||||||||
Primary school | 1.34 | 0.14 | 0.01 | 1.09 | 1.64 | 1.58 | 0.58 | 0.22 | 0.77 | 3.25 | 1.41 | 0.14 | <0.001 | 1.16 | 1.71 | |
Junior middle school | 1.55 | 0.16 | <0.001 | 1.27 | 1.90 | 2.02 | 0.73 | 0.05 | 1.00 | 4.09 | 1.66 | 0.16 | <0.001 | 1.37 | 2.01 | |
Senior middle school | 1.84 | 0.22 | <0.001 | 1.45 | 2.33 | 2.15 | 0.79 | 0.04 | 1.05 | 4.42 | 1.94 | 0.22 | <0.001 | 1.56 | 2.42 | |
University/college | 1.97 | 0.24 | <0.001 | 1.54 | 2.50 | 2.28 | 0.88 | 0.03 | 1.07 | 4.85 | 2.08 | 0.23 | <0.001 | 1.67 | 2.57 | |
Employment | Unemployed (reference) | |||||||||||||||
Employed | 0.94 | 0.04 | 0.11 | 0.86 | 1.01 | 0.98 | 0.08 | 0.78 | 0.83 | 1.15 | 0.93 | 0.03 | 0.06 | 0.87 | 1.00 | |
Household income ranking | Lowest (<percentile 20, reference) | |||||||||||||||
Lower (percentile 20–39.9) | 1.13 | 0.05 | 0.01 | 1.03 | 1.24 | 1.02 | 0.07 | 0.80 | 0.89 | 1.17 | 1.11 | 0.05 | 0.01 | 1.02 | 1.20 | |
Middle (percentile 40–59.9) | 1.12 | 0.05 | 0.01 | 1.03 | 1.23 | 1.03 | 0.10 | 0.79 | 0.85 | 1.25 | 1.10 | 0.05 | 0.02 | 1.01 | 1.20 | |
Higher (percentile 60–79.9) | 1.01 | 0.05 | 0.76 | 0.93 | 1.11 | 1.02 | 0.10 | 0.88 | 0.84 | 1.23 | 1.02 | 0.04 | 0.61 | 0.94 | 1.11 | |
Highest (≥percentile 80) | 1.11 | 0.07 | 0.10 | 0.98 | 1.25 | 0.93 | 0.10 | 0.52 | 0.75 | 1.16 | 1.06 | 0.06 | 0.31 | 0.95 | 1.17 | |
Type of social health insurance | BMIUR/RNCMS (reference) | |||||||||||||||
BMIUE | 1.05 | 0.10 | 0.59 | 0.88 | 1.26 | 1.03 | 0.14 | 0.82 | 0.79 | 1.34 | 1.09 | 0.10 | 0.34 | 0.91 | 1.30 | |
Others | 2.09 | 1.58 | 0.33 | 0.48 | 9.16 | 1.27 | 0.45 | 0.50 | 0.63 | 2.54 | 1.43 | 0.48 | 0.29 | 0.74 | 2.76 | |
Self-rating of health | Good (reference) | |||||||||||||||
General | 0.75 | 0.04 | <0.001 | 0.67 | 0.84 | 0.66 | 0.04 | <0.001 | 0.58 | 0.75 | 0.73 | 0.03 | <0.001 | 0.67 | 0.80 | |
Poor | 0.83 | 0.08 | 0.05 | 0.69 | 1.00 | 0.74 | 0.12 | 0.08 | 0.53 | 1.03 | 0.80 | 0.06 | 0.01 | 0.69 | 0.93 | |
Two-week morbidity | No (reference) | |||||||||||||||
Yes | 1.01 | 0.09 | 0.92 | 0.85 | 1.20 | 1.11 | 0.14 | 0.40 | 0.87 | 1.41 | 1.04 | 0.08 | 0.63 | 0.89 | 1.21 | |
Chronic morbidity | No (reference) | |||||||||||||||
Yes | 1.24 | 0.07 | <0.001 | 1.11 | 1.38 | 1.44 | 0.17 | <0.001 | 1.13 | 1.82 | 1.30 | 0.06 | <0.001 | 1.18 | 1.43 | |
Radom effects (Level 2) | ||||||||||||||||
Variance (enrolment with local social health insurance) | 0.57 | 0.08 | 0.44 | 0.75 | 0.70 | 0.15 | 0.46 | 1.07 | 0.58 | 0.11 | 0.39 | 0.85 | ||||
Variance (intercept) | 2.74 | 0.18 | 2.42 | 3.11 | 1.92 | 0.17 | 1.62 | 2.27 | 2.56 | 0.18 | 2.22 | 2.95 | ||||
ICC | ||||||||||||||||
Empty model | 0.45 | 0.02 | 0.42 | 0.48 | 0.36 | 0.02 | 0.32 | 0.40 | 0.45 | 0.01 | 0.42 | 0.48 | ||||
Full model | 0.45 | 0.02 | 0.42 | 0.49 | 0.37 | 0.02 | 0.33 | 0.41 | 0.44 | 0.02 | 0.40 | 0.47 | ||||
Wald Chi Square test | ||||||||||||||||
Chi-Square | 372.43 | 184.3 | 422.56 | |||||||||||||
p value | <0.001 | <0.001 | <0.001 |
Note: * Average marginal effects (AME) of location of social health insurance funds: 6.8% (4.9%, 8.6%) for rural-to-urban respondents; 6.8% (3.2%, 10.4%) for urban-to-urban respondents; 6.1% (4.3%, 7.8%) for all respondents. † ICC: intraclass correlation coefficient; AOR: adjusted odds ratio; SE: standard error; CI: confidence interval.