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Table 1 General characteristics of both non-purchasers and purchasers at baseline (2008)

From: The effect of cost-sharing in private health insurance on the utilization of health care services between private insurance purchasers and non-purchasers: a study of the Korean health panel survey (2008–2012)

      Unit: N, %
Variable Total Non-purchasers Purchasers
Total 7824 7021 (89.7) 803 (10.3)
Sex      
 Man 3839 3434 (48.9) 405 (50.4)
 Woman 3985 3587 (51.1) 398 (49.6)
Age      
 1–19 1752 1317 (18.8) 435 (54.2)
 20–39 1699 1525 (21.7) 174 (21.7)
 40–59 1539 1421 (20.2) 118 (14.7)
 ≥60 2834 2758 (39.3) 76 (9.5)
Marital status      
 Married 4107 3556 (50.6) 551 (68.6)
 Divorced/widowed/unmarried 3717 3465 (49.4) 252 (31.4)
Region      
 Rural 4333 3875 (55.2) 458 (57.0)
 Urban 3491 3416 (44.8) 345 (43.0)
Educational level      
 Elementary school or below 3080 2711 (38.6) 369 (46.0)
 Middle school 1071 972 (13.8) 99 (12.3)
 High school 1917 1743 (24.8) 174 (21.7)
 College or above 1756 1595 (22.7) 161 (20.0)
Public health financing      
 NHI (National Health Insurance) 7225 6444 (91.8) 781 (97.3)
 Medical Aid (for the poor) 599 577 (8.2) 22 (2.7)
Household Income      
 Q1 (High) 1392 1169 (16.7) 223 (27.8)
 Q2 1686 1418 (20.2) 268 (33.4)
 Q3 2256 2052 (29.2) 204 (25.4)
 Q4 (Low) 2490 2382 (33.9) 108 (13.4)
Employment status      
 Employed or self-employed 4338 3755 (53.5) 583 (72.6)
 Unemployed or inactive 3486 3266 (46.5) 220 (27.4)
Chronic disease      
 None 4109 3537 (50.4) 572 (71.2)
 One 1503 1358 (19.3) 145 (18.1)
 Two 936 899 (12.8) 37 (4.6)
 Three or more 1276 1227 (17.5) 49 (6.1)