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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.