Regulated competition in health care: Switching and barriers to switching in the Dutch health insurance system

Table 6 Logistic regression model for perceived barriers to switching health insurer (N = 9880)

	Could not be bothered		Impossible for me to change		Afraid they will not accept me		Fear getting into (administrative) problems
	Odds Ratio	p-value	Odds Ratio	p-value	Odds Ratio	p-value	Odds Ratio	p-value
Age
18-44	reference		reference		reference		reference
45-64	0.75	0.001	1.25	0.205	1.29	0.045	.93	0.591
≥ 65	0.67	0.000	1.14	0.460	0.74	0.030	.86	0.284
Sex
Male	reference		reference		reference		reference
Female	1.08	0.228	.94	0.534	0.82	0.017	.91	0.301
Education
Lower	reference		reference		reference		reference
Intermediate	1.39	0.000	.89	0.288	1.20	0.050	1.14	0.172
Higher	2.21	0.000	.88	0.361	1.29	0.032	1.29	0.033
Self-perceived health status
Bad	1.21	0.042	4.57	0.000	5.47	0.000	2.54	0.000
Good	1.10	0.255	1.91	0.003	2.12	0.000	1.54	0.002
Very good	reference		reference		reference		reference
Group
Dutch Health Care Consumer Panel	0.91	0.159	0.49	0.000	0.51	0.000	0.68	0.000
Chronicall-y ill and Disabled	reference		reference		reference		reference
Year
2007	Reference		Reference		Reference		reference
2008	1.02	0.611	1.16	0.068	1.24	0.000	0.87	0.025

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