Table 2 Binary logistic regression on health insurance ownership among women in Ghana

Zones/Belts

Coastal

1

[1,1]

1

[1,1]

Central

1.761

[0.922-3.362]

1.355

[0.633-2.899]

Northern

2.318^**

[1.328-4.045]

2.593^**

[1.394-4.823]

Wealth status

Poorest

1

[1,1]

1

[1,1]

Poorer

1.313

[0.802-2.150]

0.852

[0.490-1.483]

Middle

1.312

[0.767-2.244]

0.762

[0.416-1.395]

Richer

1.946^*

[1.140-3.321]

1.215

[0.667-2.215]

Richest

3.029^***

[1.787-5.136]

1.572

[0.858-2.880]

Interactions – location & wealth status

Coastal with wealth (overall reference)

1

[1,1]

1

[1,1]

Central interaction with wealth

Central # Poorest

1

[1,1]

1

[1,1]

Central # Poorer

1.240

[0.608-2.531]

1.697

[0.728-3.956]

Central # Middle

1.775

[0.857-3.674]

2.491^*

[1.032-6.010]

Central # Richer

1.732

[0.833-3.602]

2.157

[0.890-5.228]

Central # Least poor

1.495

[0.702-3.185]

2.076

[0.812-5.307]

Northern interaction with wealth

Northern # Poorest

1

[1,1]

1

[1,1]

Northern # Poorer

1.209

[0.640-2.283]

1.980

[0.894-4.383]

Northern # Middle

2.574^**

[1.261-5.255]

4.597^***

[1.906-11.09]

Northern # Richer

4.042^***

[1.807-9.042]

8.475^**

[2.174-33.03]

Northern # Richest

2.319

[0.970-5.545]

6.315^**

[1.692-23.57]

Respondent’s education

No formal education

1

[1,1]

Primary

0.897

[0.656-1.227]

Secondary

1.387^*

[1.035-1.859]

Higher

1.255

[0.695-2.264]

Religion

Catholic

1.332

[0.871-2.039]

Protestant

1.440

[0.968-2.141]

Pentecostal

1.326

[0.925-1.901]

Moslem

1

[1,1]

Traditional/No religion

0.737

[0.471-1.152]

Age cohort

15-19

1

[1,1]

20-24

2.146

[0.851-5.411]

25-29

2.160

[0.862-5.414]

30-34

2.368

[0.934-6.004]

35-39

2.708^*

[1.108-6.616]

40-44

2.942^*

[1.182-7.325]

45-59

2.276

[0.889-5.827]

Health decision making

Alone

1

[1,1]

Respondent & partner

1.111

[0.864-1.430]

Partner alone/Someone

1.023

[0.780-1.342]

Small household purchases

Alone

1

[1,1]

Respondent & partner

1.093

[0.801-1.491]

Partner alone/Someone

1.153

[0.861-1.544]

Large household purchase

Alone

1

[1,1]

Respondent & partner

0.953

[0.747-1.215]

Partner alone/Someone

1.067

[0.809-1.408]

Variations in couples’ earnings

More than partner

1

[1,1]

Less than partner

1.010

[0.725-1.407]

About the same

1.062

[0.699-1.615]

Others

1.152

[0.684-1.943]

Partner’s education

No education

1

[1,1]

Primary

1.108

[0.742-1.654]

Secondary

1.602^**

[1.174-2.188]

Higher

2.458^***

[1.542-3.919]

Cons

0.232^***

[0.144-0.373]

0.0709^***

[0.0232-0.217]

AIC

6226.5

2857.7

N

4910

2288