Table 2.
Results of logistic regression model
| Analysis: | Logistic regression model | |
|---|---|---|
| OR (95%CI) C | ||
| Variables | ||
| Intercept | 0.45 (0.33–0.62) | |
| Age (in years) A | Mean centered | 0.97 (0.96–0.97) |
| Gender | Male (reference) | |
| Female | 1.03 (0.90–1.19) | |
| Household situation | Living alone (reference) | |
| Married or living together | 0.89 (0.76–1.05) | |
| Missing | 0.97 (0.57–1.54) | |
| Self-reported health | (Very) poor (reference) | |
| Moderate | 1.57 (1.30–1.91) | |
| (Very) good | 1.49 (1.19–1.88) | |
| Chronic conditions | None (reference) | |
| One or more | 0.56 (0.46–0.70) | |
| Education level | Low (reference) | |
| Moderate | 1.03 (0.86–1.24) | |
| High | 1.20 (0.99–1.44) | |
| Missing | 1.14 (0.74–1.64) | |
| Sense of mastery (Pearlin’s scale) B | Mean centered | 0.96 (0.94–0.97) |
| Monthly net household income | < €2000 (reference) | |
| €2001-€3000 | 0.49 (0.40–0.59) | |
| €3001-€4000 | 0.34 (0.24–0.46) | |
| > €4000 | 0.29 (0.18–0.44) | |
| Not-disclosed | 0.54 (0.43–0.65) | |
| Financial leeway | Incurring debts or using savings (reference) | |
| Just enough to live on | 0.56 (0.47–0.65) | |
| Saving money | 0.28 (0.23–0.35) | |
| Not-disclosed | 0.50 (0.25–0.82) | |
| N of observations | 7339 | |
| Model fit | Overall R2mf | 0.123 |
Dependent variable: “the occurrence of recommended healthcare forgone due to the deductible”, i.e., forgone either prescribed medications, ordered diagnostic tests or specialist care due to the deductible. A = centered at the total sample’s mean age: 62.2 years (standard deviation: 11.1). B = centered at the total sample’s mean score: 22.3 (standard deviation: 5.8). C = reflects bootstrapped confidence intervals
OR Odds ratio. R2mf = McFadden’s pseudo R2. 95%CI = 95% Confidence Intervals (lower bound – upper bound)