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)

Choi, Young; Kim, Jae-Hyun; Yoo, Ki-Bong; Cho, Kyoung Hee; Choi, Jae-Woo; Lee, Tae Hoon; Kim, Woorim; Park, Eun-Cheol

doi:10.1186/s12913-015-1153-0

Table 5 Effects of cost-sharing in indemity health insurance on health care utilization according to the number of disease

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)

Variable^a	Outpatient visits per person			Inpatient admissions per person			Length of stay per person
Variable^a	ß	S.E	p-value	ß	S.E	p-value	ß	S.E	p-value
No chronic disease (n = 4109)
Time
2008	Ref.			Ref.			Ref.
2009	0.227	0.038	<.0001	0.136	0.131	0.297	0.344	0.217	0.112
2010	0.366	0.042	<.0001	0.351	0.144	0.015	0.081	0.192	0.672
2011	0.427	0.046	<.0001	0.229	0.147	0.118	0.136	0.202	0.500
Group (indemnity health insurance)
Non-purchaser	Ref.			Ref.			Ref.
Purchaser	0.444	0.062	<.0001	0.697	0.188	0.000	0.455	0.234	0.052
Time x Group (difference in difference estimator)
2009	0.029	0.079	0.716	−0.126	0.251	0.617	0.037	0.343	0.915
2010	−0.160	0.074	0.031	−0.180	0.257	0.483	0.470	0.344	0.171
2011	−0.177	0.079	0.025	−0.347	0.263	0.187	−0.144	0.328	0.660
1–2 (n = 2439)
Time
2008	Ref.			Ref.			Ref.
2009	0.015	0.023	0.519	−0.155	0.126	0.216	0.074	0.198	0.709
2010	0.054	0.030	0.075	−0.079	0.127	0.537	−0.095	0.146	0.515
2011	0.077	0.034	0.022	−0.034	0.158	0.830	−0.148	0.159	0.353
Group (indemnity health insurance)
Non-purchaser	Ref.			Ref.			Ref.
Purchaser	0.267	0.066	<.0001	0.095	0.291	0.744	0.190	0.376	0.613
Time x Group (difference in difference estimator)
2009	−0.226	0.069	0.001	0.403	0.295	0.172	−0.059	0.443	0.894
2010	−0.245	0.075	0.001	0.122	0.271	0.654	−0.104	0.415	0.802
2011	−0.313	0.079	<.0001	−0.134	0.291	0.645	−0.258	0.420	0.539
3 or more (n = 1276)
Time
2008	Ref.			Ref.			Ref.
2009	0.019	0.022	0.385	−0.083	0.088	0.345	−0.168	0.136	0.217
2010	0.075	0.024	0.002	−0.020	0.082	0.808	−0.013	0.138	0.926
2011	0.116	0.025	<.0001	0.085	0.083	0.306	0.022	0.136	0.871
Group (indemnity health insurance)
Non-purchaser	Ref.			Ref.			Ref.
Purchaser	−0.093	0.126	0.459	−0.385	0.366	0.293	−0.073	0.414	0.861
Time x Group (difference in difference estimator)
2009	−0.014	0.122	0.909	−0.021	0.428	0.962	−0.795	0.515	0.123
2010	0.000	0.148	0.998	0.077	0.429	0.858	−0.266	0.444	0.549
2011	−0.020	0.131	0.878	0.364	0.434	0.402	0.445	0.500	0.374

^aAdjusted for sex, age, marital status, education level, the number of chronic disease, household income, region, and employment status

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ISSN: 1472-6963

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