TABLE 3.

Marginal effects (MEs) of psychiatric diagnosis on the probability of subscribers and their families choosing the lowest-deductible plan among those offered by the employer group^a

	Individual subscribers		Subscribers with at least one dependentb		Couples with at least one dependentb		Couples with no dependents
Model	ME	95% CI	ME	95% CI	ME	95% CI	ME	95% CI
Model 1
Any psychiatric diagnosis	.04*	.00, .08	.05***	.02, .07	.02	.00, .05	.03	−.01, .06
Model 2
N of psychiatric diagnoses	.03*	.01, .05	.02*	.00, .03	.01	.00, .02	.01	.00, .03
Model 3
Adjustment disorders	.03	−.02, .07	.06**	.02, .10	.02	−.10, .04	.05*	.01, .09
Posttraumatic stress disorder	.01	−.05, .07	−.03	−.11, .05	−.01	−.06, .04	.02	−.04, .08
Generalized anxiety disorder	.02	−.01, .05	.06*	.01, .10	.02	−.01, .05	.01	−.02, .05
Obsessive-compulsive disorder	.10	−.08, .10	.06	−.07, .19	.04	−.01, .10	.02	−.08, .12
Panic disorder	−.02	−.07, .02	.04	−.05, .13	.03	−.02, .07	.04	−.04, .13
Phobias	−.04	−.13, .05	−.12	−.27, .03	−.07	−.16, .04	−.09	−.23, .05
Cognitive disorders (e.g., dementia)	.10	−.02, .22	.12	−.06, .29	.04	−.04, .12	.03	−.07, .13
Attention-deficit hyperactivity disorder	.04	−.03, .10	.03	−.02, .08	.01	−.03, .05	.02	−.04, .08
Other childhood disorders	NAc		−.01	−.06, .05	.01	−.03, .05	NAc
Pervasive developmental disorders	NAc		−.03	−.15, .08	−.03	−.10, .04	NAc
Bipolar disorder	.04	−.03, .11	−.05	−.14, .03	.03	−.02, .09	.02	−.06, .10
Depression	.04*	.01, .08	.02	−.02, .06	.00	−.02, .01	.00	.00, .03
Personality disorders	−.03	−.16, .10	−.02	−.31, .27	−.03	−.12, .07	−.01	−.13, .12
Psychotic disorders (e.g., schizophrenia)	.05	−.06, .15	.00	−.12, .13	.00	−.10, .10	−.03	−.13, .07
Alcohol use disorders	.02	−.04, .07	−.1	−.21, .01	.01	−.04, .06	−.03	−.11, .04
Drug use disorders	.04	−.07, .14	.01	−.12, .13	.00	−.05, .06	.06	−.03, .14
Other psychiatric disorders	.02	−.03, .06	−.01	−.06, .04	.00	−.03, .03	−.02	−.07, .03

^aModels for individual subscribers also controlled for age group, gender, year of plan selection, and state of residence. Models for family subscribers also controlled for age group, gender of the subscriber, year of plan selection, and state of residence as well as couple type and the number of dependents in the following age categories: ≥5, 6–11, 12–17, ≥17, 18–26, ≥27.

^bDependent was age 18 or younger.

^cNA, not applicable. We excluded childhood disorders, including pervasive developmental disorders and other childhood disorders, from the models with adult subscribers only.

^*p<.05

^**p<.01

^***p<.001.