Table 5 Results from mixed multinomial logits (specialist care)

  -Copayments

−0.933 (0.116)^**

− 0.471 (0.209)^*

− 0.622 (0.064)^**

−0.572 (0.227)^*

  -Coinsurances (reference)

0.933 (0.116)^**

0.471 (0.209)^*

0.622 (0.064)^**

0.572 (0.227)^*

  -Rate1 ^a

0.612 (0.090)^**

0.591 (0.180)^**

0.508 (0.035)^**

0.451 (0.137)^**

  -Rate2 ^a

0.143 (0.079)

0.173 (0.129)

0.244 (0.028)^**

0.237 (0.089)^**

  -Rate3 ^a (reference)

−0.755 (0.100)^**

−0.764 (0.264)^**

−0.752 (0.039)^**

− 0.689 (0.143)^**

  -Half cap

0.009 (0.059)

0.010 (0.115)

−0.024 (0.022)

−0.036 (0.045)

  -Full cap (reference)

−0.009 (0.059)

−0.010 (0.115)

0.024 (0.022)

0.036 (0.045)

  -Half cap ^* Copayments

−0.075 (0.058)

−0.069 (0.117)

0.037 (0.020)

0.040 (0.063)

  -Half cap ^* Rate1 ^a

0.078 (0.089)

−0.023 (0.146)

−0.116 (0.034)^**

− 0.081 (0.106)

  -Half cap ^* Rate2 ^a

−0.004 (0.095)

0.110 (0.175)

0.006 (0.040)

−0.032 (0.128)

  -Half cap ^* Afterwards billed by health insurer

−0.058 (0.058)

−0.166 (0.094)

− 0.054 (0.021)^*

0.046 (0.083)

  -Afterwards billed by health insurer

0.595 (0.091)^**

0.452 (0.135)^**

4.086 (0.125)^**

3.554 (0.519)^**

  -Directly at point of care (reference)

−0.595 (0.091)^**

−0.452 (0.135)^**

−4.086 (0.125)^**

−3.554 (0.519)^**

  -Opt-out option

4.306 (0.141)^**

1.491 (0.322)^**

1.086 (0.036)^**

0.545 (0.251)^*

  Copayments

2.467 (0.123)^**

–

3.333 (0.096)^**

3.307 (0.445)^**

  Rate1 ^a

−0.995 (0.133)^**

0.855 (0.288)^**

−0.869 (0.051)^**

1.126 (0.168)^**

  Rate2 ^a

0.017 (0.213)

0.001 (0.001)

−0.400 (0.075)^**

−0.266 (0.326)

  Afterwards billed by health insurer

1.801 (0.098)^**

–

4.929 (0.139)^**

4.478 (0.594)^**

 Number of individuals

662

662

4702

4702

 Number of observations

11,916

11,916

84,636

84,636

 Log-likelihood

− 2172.120

− 3287.581

−17,658.000

−12,680.018