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Table 2 Logistic regression analysis of willingness to join CBHI in West Gojjam Zone, 2017

From: Determinants of community-based health insurance implementation in west Gojjam zone, Northwest Ethiopia: a community based cross sectional study design

Variables Enrollment Crude OR (95% CI) Adjusted OR (95% CI) Marginal effects
Yes n (%) No n (%)
District
Jabi-tehnan 276 (63) 162 (37)    
Burie 104 (48.3) 111 (51.7) 0.55 (.395, .765) .444(.257, .767) −.190
Sex
Male 355 (60.5) 231 (39.5) 1.0 1.0  
Female 19 (31.2) 42 (68.8) 0.294 (1.92, 5.98) 1.89(.683, 5.27) .156
Age    1.02(.989, 1.01) .990 (.970, 1.01) −.002
Religion
Orthodox Christian 372 (58.2) 266 (41.8) 1.0 1.0  
Others 2 (66.6) 1 (33.3) 1.43(.129, 15.8) .610(.075, 4.96) −.120
Marital status
Married 339 (61.8) 210 (38.2) 1.0 1.0  
Single 10 (38.5) 16 (61.5) .387(.172, .869) 1.71(.560, 5.22) .116
Divorced 16 (39) 25 (61) .396 (.207, .760) 1.11(.357, 3.48) .025
Widowed 6 (25) 18 (75) .206 (.081, .529) .350(.085, 1.43) −.256
Occupation
Farmers 365 (58.5) 259 (41.5) 1.0 1.0  
Others 9 (40.9) 13 (59.1) .491 (.207, 1.16) .449(.175, 1.15) −.196
Family size    1.245 (1.14, 1.35) 1.17 (1.02, 1.35) .038
HH average health status
Poor 76 (61.2) 48 (38.8) 1.0 1.0  
Medium 246 (57.4) 183 (42.6) .849 (.564, 1.27) .659 (.363, 1.19) −.096
Good 57 (57.5) 42 (42.5) .857 (.501, 1.46) .380 (.179, .805) −.235
chronic diseases
Do not exist 105 (79.5) 27 (20.5) 1.0 1.0  
Exist 268 (53.3) 235 (46.7) .293 (.186, .463) 3.42 (1.89, 6.19) .252
Scheme benefit package adequacy
inadequate 318 (58) 230 (42) 1.0 1.0  
adequate 57 (57.5) 42 (42.5) .98 (.637, 1.51 2.17 (1.20,3.93) .167
Institutional service quality
Poor 241 (56.8) 183 (43.2) 1.0 1.0  
Medium 115 (61.5) 72 (38.5) 1.21 (.853, 1.72) 1.24 (.744, 2.07) .050
Good 22 (55) 18 (45) .928 (.484, 1.78) 1.84 (.709,4.78) .131
Health service quality
Poor 141 (60.8) 91 (39.2) 1.0 1.0  
Medium 189 (55.2) 153 (44.8) 0.797 (.568, 1.11) 3.20 (1.98, 5.15) .269
Good 49 (62.8%) 29 (37.2) 1.09 (.642, 1.85) 3.69 (1.77, 7.69) .255
CBHI awareness
Poor 22 (81.5) 5 (18.5) 1.0 1.0  
Medium 30 (62.5) 18 (37.5) 0.37(.122, 1.17) 2.65(.735, 9.54) .196
Good 327 (56.7) 250 (43.3) 0.29 (.111, .796) 4.90 (1.65, 14.4) .376
HH social participation
Poor 8 (57.1) 6 (42.9) 1.0 1.0  
Medium 85 (57.8) 62 (42.1) 1.02 (.340, 3.11) .521(.093, 2.90) −.157
Good 286 (58.3) 205 (41.7) 1.04 (.358, 3.06) .748(.135, 4.13) −.066
Social norm
Poor 31 (59.6) 21 (40.4) 1.0 1.0  
Medium 173 (58) 125 (42) .938 (.515, 1.70) .868(.427, 1.76) −.033
Good 172 (57.9) 125 (42.1) .932(.512, 1.69) 1.02(.506, 2.09) .006
Community solidarity
Poor 75 (50.3) 74 (49.7) 1.0 1.0  
Medium 193 (63.9) 109 (36.1) 1.74 (1.17, 2.60) 3.02 (1.17, 2.60) .252
Good 111 (55.2) 90 (44.8) 1.21 (.796, 1.86) 3.77(.796, 1.86) .282
Community Trust
Poor 4 (66.6) 2 (33.3) 1.0 1.0  
Medium 135 (58.2) 97 (41.8) .696(.125, 3.87) 3.62(.634,20.7) .280
Good 240 (57.9) 174 (42.1) .690 (.125, 3.80) 5.65(.985, 32.4) .401
Perceived living standard
Poor 351 (58.8) 246 (41.2) 1.0 1.0  
Rich 27 (50) 27 (50) .701(.401, 1.22) 1.15(.505, 2.63) .033
HH wealth
 quintile1(poorest) 58 (39.5) 89 (60.5) 1.0 1.0  
quintile2 (poor) 64 (58.2) 46 (41.8) 2.13 (1.29, 3.53) 2.05 (1.08, 3.91) .156
quintile3 (medium) 78 (62.9) 46 (37.1) 2.60 (1.59, 4.25) 2.56 (1.36, 4.81) .200
quintile4(rich) 75 (60.9) 48 (39.1) 2.39 (1.46, 3.91) 2.26 (1.17, 4.35) .176
quintile5 (very rich) 95 (77.8) 27 (22.2) 5.39 (3.14, 9.27) 3.62 (1.67, 7.83) .259
  1. *** significant at 1% confidence level **significant at 5% confidence level * significant at less than 10% confidence level
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