Table 3.
Marginal effects of the multinomial logit regression model of health insurance schemes.
| Model |
I |
II |
III |
|||
|---|---|---|---|---|---|---|
| Independent variables | Scheme B | Scheme C | Scheme B | Scheme C | Scheme B | Scheme C |
| Age | -0.03 | 0.08∗∗∗ | -0.01 | 0.08∗∗∗ | 0.11∗∗∗ | -0.03∗ |
| Education level | 0.05∗∗∗ | -0.07∗∗∗ | 0.06∗∗∗ | -0.09∗∗∗ | 0.05∗∗∗ | -0.08∗∗∗ |
| Working sector | -0.29∗∗∗ | 0.27∗∗∗ | -0.30∗∗∗ | 0.27∗∗∗ | -0.26∗∗∗ | 0.24∗∗∗ |
| Household income | -0.44∗∗∗ | 0.40∗∗∗ | -0.43∗∗∗ | 0.38∗∗∗ | -0.38∗∗∗ | 0.33∗∗∗ |
| Household children | 0.10∗∗∗ | -0.07∗∗ | 0.12∗∗∗ | -0.06∗∗ | 0.32∗∗∗ | -0.22∗∗∗ |
| Chronic illness | 0.26∗∗∗ | -0.25∗∗∗ | 0.26∗∗∗ | -0.25∗∗∗ | 0.32∗∗∗ | -0.27∗∗∗ |
| Family size | 0.40∗∗∗ | -0.38∗∗∗ | 0.40∗∗∗ | -0.37∗∗∗ | ||
| Family health status | -0.05∗ | 0.02 | -0.07∗∗ | 0.02 | ||
| Health expenditure | -0.01 | -0.01 | -0.01 | 0.00 | ||
| Marital status | -0.02 | -0.01 | -0.02 | -0.02 | ||
| Acute illness | 0.02 | 0.05 | ||||
| Be aware of health insurance | 0.06∗ | -0.08∗∗∗ | ||||
| Urban district | -0.04∗ | 0.03 | ||||
| Health priority | 0.07∗ | -0.02 | ||||
∗, ∗∗, and ∗∗∗ indicate p < 0.05, p < 0.01, p < 0.001 significant levels, and non-significant, respectively (Z-test).
B (Compulsory scheme) and C (voluntary scheme).
Note: Out-of-pocket was select as the base outcome.