BMC Health Services Research

Table 4 FE results

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

Variables	(1)		(2)
	Sick x Year		Sick x Subsidy
	Coefficient	SE	Coefficient	SE
Age (years)
≤15	0.004	0.009	0.005	0.009
≤60+	0.015	0.036	0.018	0.036
Education
Literate	−0.001	0.006	−0.002	0.006
Subsidized
Subsidy	0.100	0.011***	0.090	0.012***
Household size
Size	−0.002	0.001***	−0.002	0.001***
SES
MidSES	0.015	0.006***	0.015	0.006***
HighSES	0.028	0.007***	0.028	0.007***
Year
2005	0.003	0.003	0.002	0.003
2006	−0.002	0.003	−0.001	0.003
2007	0.009	0.004**	0.013	0.004***
Sick X Year^a
Sick	0.001	0.010	-	-
Sick x 2005	0.000	0.009	-	-
Sick x 2006	0.008	0.009	-	-
Sick x 2007	0.021	0.011**	-	-
Sick X Subsidy^b
Sick	-	-	0.008	0.007
Sick x Subsidy	-	-	0.048	0.027*
No. of observations	18480		18480
No. of individuals	6713		6713
F statistic (p-value)	11.47 (0.000)		13.22 (0.000)
R²	0.0078		0.0079

Dependent variable: Insurance status dummy variable.
^a Interaction term only included in Model 1.
^b Interaction term only included in Model 2.
Refer to Table 2 for variable definitions.
***1%, **5% and *10% significance levels.

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ISSN: 1472-6963

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