TABLE 6.

Marginal effects of the relationship between health insurance and OOP on medicine.

	(1)	(2)	(3)	(4)
Nationality	Saudi	Saudi	Expatriates	Expatriates
Variable	OOPMED	OOPMED	OOPMED	OOPMED
Income (log)	0.722***	0.430***	0.461***	0.488***
	(0.040)	(0.037)	(0.039)	(0.067)
Insured	−0.242***	−5.188***	−0.517***	−0.075
	(0.040)	(0.613)	(0.063)	(0.678)
Insured*income		0.527***		-0.051
		(0.066)		(0.080)
Age	0.012***	0.012***	0.001	0.001
	(0.001)	(0.001)	(0.002)	(0.002)
Male	−0.062	−0.080	−0.227***	−0.224***
	(0.042)	(0.042)	(0.055)	(0.056)
Married	−0.258***	−0.291***	−0.091	−0.093
	(0.054)	(0.057)	(0.065)	(0.065)
Primary school	0.126	0.145*	−0.012	−0.011
	(0.083)	(0.081)	(0.092)	(0.091)
Intermediate school	0.175**	0.182**	−0.204***	−0.200***
	(0.074)	(0.074)	(0.074)	(0.074)
Secondary school	0.264***	0.303***	−0.250***	−0.249***
	(0.071)	(0.072)	(0.076)	(0.076)
Higher education	0.278***	0.326***	−0.371***	−0.365***
	(0.074)	(0.076)	(0.110)	(0.113)
Health status	−0.186***	−0.170***	−0.110	−0.122*
	(0.053)	(0.052)	(0.071)	(0.074)
Wealth index	0.010	0.005	0.036	0.041**
	(0.015)	(0.014)	(0.020)	(0.020)
Observations	6,563	6,563	1,927	1,927

Note: Robust standard errors in parentheses. Significance levels: ***p <0.01, **p <0.05, *p <0.1.