Table 2.
Association of baseline factors and cumulative incidence of major financial hardshipa
| Factor | Cumulative incidence in % of patients (95% CI), % |
|||
|---|---|---|---|---|
| Follow-up assessment time | ||||
| 3 months | 6 months | 9 months | 12 months | |
| Age, y | ||||
| <65 | 44.7 (38.1 to 51.0) | 62.3 (55.6 to 68.2) | 69.9 (63.4 to 75.5) | 73.7 (66.4 to 79.6) |
| ≥65 | 38.2 (30.0 to 46.3) | 52.2 (43.5 to 60.3) | 59.1 (50.3 to 66.9) | 68.1 (58.6 to 76.0) |
| Sex | ||||
| Female | 41.7 (33.4 to 49.8) | 57.6 (48.9 to 65.4) | 66.6 (58.0 to 73.9) | 69.6 (60.8 to 76.7) |
| Male | 42.6 (36.0 to 48.9) | 59.1 (52.3 to 65.2) | 65.4 (58.8 to 71.3) | 72.4 (64.9 to 78.5) |
| Race | ||||
| Non-White | 43.6 (33.5 to 53.2) | 60.4 (49.8 to 69.5) | 68.0 (57.4 to 76.5) | 73.9 (59.4 to 83.9) |
| White | 41.8 (35.8 to 47.6) | 57.9 (51.7 to 63.5) | 65.2 (59.1 to 70.6) | 70.3 (64.1 to 75.6) |
| Marital status | ||||
| Not married or partnered | 42.3 (34.2 to 50.2) | 59.7 (51.2 to 67.2) | 66.2 (57.7 to 73.3) | 69.0 (60.5 to 76.1) |
| Married or partnered | 40.3 (33.6 to 46.8) | 56.4 (49.4 to 62.8) | 64.6 (57.7 to 70.7) | 72.2 (64.0 to 78.8) |
| Income | ||||
| <$50 000/year | 43.8 (36.9 to 50.5) | 59.5 (52.4 to 65.9) | 67.1 (60.1 to 73.1) | 72.7 (65.6 to 78.6) |
| ≥$50 000/year | 38.0 (30.2 to 45.7) | 56.0 (47.6 to 63.5) | 63.5 (55.2 to 70.7) | 69.1 (59.3 to 77.1) |
| <$100 000/year | 44.4 (38.6 to 50.0) | 60.3 (54.4 to 65.7) | 67.9 (62.1 to 73.0) | 72.9 (67.0 to 77.9) |
| ≥$100 000/year | 27.7 (17.4 to 38.9) | 47.7 (35.0 to 59.3) | 55.5 (42.4 to 66.7) | 64.9 (45.6 to 78.8) |
| Education | ||||
| ≤High school/GED | 43.1 (34.8 to 51.1) | 55.9 (47.3 to 63.7) | 63.1 (54.5 to 70.5) | 72.1 (62.3 to 79.7) |
| >High school | 41.7 (35.2 to 48.1) | 60.2 (53.4 to 66.3) | 67.7 (61.0 to 73.4) | 70.4 (63.6 to 76.2) |
| Insurance status | ||||
| Suboptimal insuranceb | 39.4 (28.0 to 50.6) | 54.9 (42.5 to 65.7) | 67.8 (55.3 to 77.5) | 72.4 (59.2 to 82.0) |
| Private/Medicare/military | 42.9 (37.2 to 48.5) | 59.4 (53.5 to 64.8) | 65.4 (59.6 to 70.6) | 70.8 (64.6 to 76.2) |
| Medicare | 37.4 (29.5 to 45.4) | 52.5 (43.8 to 60.4) | 58.5 (49.8 to 66.2) | 64.7 (55.6 to 72.5) |
| Non-Medicare | 45.3 (38.6 to 51.7) | 62.3 (55.6 to 68.3) | 70.5 (64.0 to 76.0) | 75.8 (68.1 to 81.9) |
| Medicaid | 50.0 (34.3 to 63.8) | 65.9 (49.5 to 78.1) | 77.6 (61.3 to 87.7) | 85.4 (66.9 to 94.0) |
| Non-Medicaid | 41.2 (35.8 to 46.5) | 57.5 (51.9 to 62.7) | 64.3 (58.7 to 69.3) | 69.3 (63.3 to 74.5) |
| Uninsured | 55.6 (17.5 to 82.0) | 55.6 (17.5 to 82.0) | 77.8 (28.1 to 95.1) | 77.8 (28.1 to 95.1) |
| Insured | 41.9 (36.7 to 47.0) | 58.6 (53.3 to 63.5) | 65.6 (60.3 to 70.3) | 71.1 (65.4 to 76.0) |
| Total assets | ||||
| <$25 000 | 47.1 (40.0 to 53.9) | 63.5 (56.3 to 69.8) | 69.3 (62.2 to 75.3) | 75.0 (66.8 to 81.5) |
| ≥$25 000 | 33.7 (26.5 to 41.1) | 50.6 (42.6 to 58.1) | 60.3 (52.2 to 67.5) | 65.7 (57.2 to 72.9) |
| <$50 000 | 47.3 (40.6 to 53.6) | 62.4 (55.7 to 68.4) | 68.3 (61.8 to 74.0) | 74.8 (67.2 to 80.9) |
| ≥$50 000 | 30.5 (22.8 to 38.5) | 49.6 (40.7 to 57.9) | 59.9 (50.9 to 67.8) | 64.0 (54.7 to 71.9) |
| <$100 000 | 46.7 (40.5 to 52.6) | 62.8 (56.6 to 68.3) | 68.6 (62.6 to 73.9) | 74.9 (68.4 to 80.4) |
| ≥$100 000 | 25.5 (17.2 to 34.7) | 43.6 (33.4 to 53.4) | 55.7 (44.9 to 65.2) | 58.9 (47.6 to 68.5) |
| Employment | ||||
| Unemployed | 36.0 (28.1 to 43.9) | 51.0 (42.4 to 58.9) | 57.7 (49.0 to 65.4) | 62.9 (53.8 to 70.7) |
| Any employmentc | 46.2 (39.5 to 52.6) | 63.3 (56.5 to 69.2) | 71.1 (64.6 to 76.6) | 76.2 (69.2 to 81.9) |
| Employment (<65 years) | ||||
| Unemployed | 38.2 (24.0 to 52.3) | 58.8 (42.6 to 71.9) | 65.7 (49.3 to 78.0) | 65.7 (49.3 to 78.0) |
| Any employmentc | 46.2 (38.8 to 53.2) | 63.1 (55.6 to 69.6) | 70.9 (63.7 to 77.0) | 75.5 (67.2 to 82.0) |
| Homeowner | ||||
| No | 42.3 (33.4 to 50.8) | 60.2 (50.9 to 68.3) | 66.1 (56.9 to 73.8) | 71.8 (62.3 to 79.2) |
| Yes | 40.5 (34.2 to 46.7) | 56.4 (49.8 to 62.5) | 64.7 (58.2 to 70.5) | 69.9 (62.8 to 76.0) |
a
Financial hardship that includes all protocol-specified components including new debt accumulation. CI = confidence interval; GED = general education development.
b
Defined as including Medicaid (including “dual eligible” patients with Medicare + Medicaid) or no insurance.
c
Includes full-time employment, part-time employment, self-employed, and on leave from full-time employment.