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Table 3 Descriptive statistics of independent variables by insurance status

From: Adverse selection in a community-based health insurance scheme in rural Africa: Implications for introducing targeted subsidies

Variables

Percentage (%) or Mean

2004

2005

2006

2007

I = 0

I = 1

p-value

I = 0

I = 1

p-value

I = 0

I = 1

p-value

I = 0

I = 1

p-value

n

2752

126

-

4159

201

-

5489

236

-

5168

349

-

Health status

            

 Sick

17.8

20.6

0.412

19.1

22.4

0.242

19.3

22.0

0.301

18.8

26.7

0.000

Age (years)

            

 ≤15

45.4

45.2

0.968

42.6

41.3

0.718

40.5

40.3

0.949

38.6

36.4

0.415

 16-59

47.6

47.6

0.997

50.9

50.2

0.868

50.2

50.4

0.586

53.7

53.3

0.884

 60+

6.9

7.1

0.930

6.6

8.5

0.294

7.3

9.3

0.246

7.7

10.3

0.082

Education

            

 Literate

31.4

39.7

0.050

37.1

41.3

0.223

40.2

54.2

0.000

43.3

52.1

0.001

Subsidized

            

 Subsidy

-

-

-

-

-

-

-

-

-

17.3

31.8

0.000

Household size

            

 Size

11.8

14.0

0.005

10.9

13.0

0.000

11.9

17.5

0.000

12.4

12.0

0.408

SES

            

 LowSES

34.9

13.5

0.000

33.1

7.0

0.000

34.7

3.4

0.000

33.8

26.1

0.000

 MidSES

33.7

30.2

 

32.6

40.3

 

33.5

27.5

 

33.9

25.2

 

 HighSES

31.4

56.3

 

34.3

52.7

 

31.8

69.1

 

32.3

48.7

 
  1. I = 0 denotes uninsured individuals and I = 1 denotes insured individuals.
  2. Refer to Table 2 for variable definitions.