Table 2 Study population characteristics and association between enrolment in NHIF and explanatory variables
| Â | Â | Enrolled in NHIF | ||
|---|---|---|---|---|
| Â | Â | Yes | No | Â |
Variables | Total Number | N (%) | N (%) | p-values |
Employment sector | Â | Â | Â | Â |
   Formal employment | 3,007 | 1,434 (47.69) | 1,573 (52.31) | *** |
   Informal employment | 6,000 | 180 (3.00) | 2,113 (97.00) |  |
Participates in National Social Security Fund (NSSF) | Â | Â | Â | Â |
   Yes | 1,982 | 1,608 (81.13) | 374 (18.87) | *** |
   No | 14,358 | 137 (0.95) | 14,221 (99.05) |  |
Participates in savings and credit cooperative organizations (SACCOs) | Â | Â | Â | Â |
   Yes | 517 | 465 (89.94) | 52 (10.06) | *** |
   No | 15,821 | 1,280 (8.09) | 14,541 (91.91) |  |
Participates in community-based savings groups | Â | Â | Â | Â |
   Yes | 2,328 | 493 (21.18) | 1,835 (78.82) | *** |
   No | 14,012 | 1,251 (8.93) | 12,761 (91.07) |  |
Income in the last one month | Â | Â | Â | Â |
   Poor | 2,510 | 60 (2.39) | 2,450 (97.61) | *** |
   Non-poor | 5,827 | 1,408 (24.16) | 4,419(75.84) |  |
   Don't know/missing | 667 | 145 (21.74) | 522 (78.26) |  |
Gender | Â | Â | Â | Â |
   Male | 8,699 | 1,413 (16.24) | 7,286 (83.76) | *** |
   Female | 7,643 | 332 (4.34) | 7,311 (95.66) |  |
Marital status | Â | Â | Â | Â |
   Currently in union | 7,399 | 1,190 (16.08) | 6,209 (83.92) | *** |
   Formerly in union | 907 | 42 (4.63) | 865 (95.37) |  |
   Never in union | 4,989 | 171 (3.43) | 4,818 (96.57) |  |
Age of respondents | Â | Â | Â | Â |
   Less than 24 years | 3,992 | 45 (1.13) | 3,947 (98.87) | *** |
   24-29 years | 3,096 | 177 (5.72) | 2,919 (94.28) |  |
   30-39 years | 4,213 | 638 (15.14) | 3,575 (84.86) |  |
   40-49 years | 2,174 | 437 (20.10) | 1,737 (79.90) |  |
   50+ years | 2,867 | 448 (15.63) | 2,419 (84.37) |  |
Education | Â | Â | Â | Â |
   Never attended school | 1,123 | 33 (2.94) | 1,090 (97.06) | *** |
   Primary | 10,540 | 801 (7.60) | 9,739 (92.40) |  |
   Secondary/higher | 4,327 | 871 (20.13) | 3,456 (79.87) |  |
Slum residence | Â | Â | Â | Â |
   Korogocho | 7,741 | 207 (2.67) | 7,534 (97.33) | *** |
   Viwandani | 8,601 | 1,538 (17.88) | 7,063 (82.12) |  |
Ethnicity | Â | Â | Â | Â |
   Kikuyu | 5,535 | 347 (6.27) | 5,188 (93.73) | *** |
   Luhya | 2,210 | 252 (11.40) | 1,958 (88.60) |  |
   Luo | 2,394 | 142 (5.93) | 2,252 (94.07) |  |
   Kamba | 3,871 | 756 (19.53) | 3,115 (80.47) |  |
   Other | 2,302 | 247 (10.73) | 2,055 (89.27) |  |