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Table 4 Effects of cost-sharing in indemnity health insurance on health care utilization according to public health financing

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)

  Medical aid (for the poor, n = 599) National helath insurance (n = 7225)
Variablea Outpatient visits per person Inpatient admissions per person Length of stay per person Outpatient visits per person Inpatient admissions per person Length of stay per person
ß S.E p-value ß S.E p-value ß S.E p-value ß S.E p-value ß S.E p-value ß S.E p-value
Time                   
 2008 Ref.    Ref.    Ref.    Ref.    Ref.    Ref.   
 2009 0.071 0.044 0.105 −0.016 0.135 0.905 −0.025 0.273 0.927 0.047 0.017 0.006 −0.083 0.075 0.269 0.157 1.280 0.201
 2010 0.086 0.050 0.084 0.040 0.134 0.762 0.027 0.197 0.889 0.121 0.021 <.0001 0.010 0.075 0.894 0.020 0.190 0.851
 2011 0.092 0.050 0.069 0.057 0.140 0.682 −0.092 0.228 0.688 0.146 0.022 <.0001 0.043 0.080 0.588 −0.017 −0.160 0.873
Group (indemnity health insurance)                   
 Non-purchasers Ref.    Ref.    Ref.    Ref.    Ref.    Ref.   
 Purchasers 0.928 0.207 <.0001 1.557 0.518 0.003 1.898 0.649 0.003 0.312 0.043 <.0001 0.250 0.161 0.119 0.128 0.680 0.498
Time x Group (difference-in-difference estimator)                  
 2009 −0.345 0.180 0.055 −0.690 0.643 0.283 −1.613 0.718 0.025 0.038 0.053 0.469 0.180 0.178 0.312 0.147 0.590 0.556
 2010 −0.491 0.219 0.025 −1.695 0.738 0.022 −2.978 0.910 0.001 −0.098 0.051 0.053 0.153 0.172 0.373 0.393 1.520 0.129
 2011 −0.580 0.218 0.008 −0.966 0.542 0.074 −1.435 0.682 0.035 −0.115 0.051 0.025 −0.181 0.179 0.313 −0.104 −0.450 0.653
  1. aAdjusted for sex, age, marital status, education level, the number of chronic disease, household income, region, and employment status