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Table 3 Results from the hypotheses tested

From: Determinants of attitude and intention towards private health insurance: a comparison of insured and uninsured young adults in Australia

Hypothesis

Variable

Estimate

df

p-value

Result

Comparisons between those with and without PHI

 H1o

Health consciousness

t = 2.857

581

.004

rejected

 H2o

(a) Problem recognition

t = 3.37

581

.000

rejected

(b) Constraint recognition

t = 11.86

581

.000

rejected

(c) Involvement recognition

t = 11.20

581

.000

rejected

(d) Past experience

t = 9.56

579

.000

rejected

 H3o

Perceived value

t = −.234

576

.020

rejected

 H4o

Trust

t = 4.72

574

.000

rejected

 H5o

Attitude

t = 12.87

581

.000

rejected

Hypotheses tested for those without PHI

 H6o

(a) Problem recognition – Attitude

β = .388

–

.000

rejected

(b) Constraint recognition – Attitude

β = .006

–

.881

fail to be rejected

(c) Involvement recognition – Attitude

β = .320

–

.000

rejected

(d) Percieved value – Attitude

β = −.184

–

.000

rejected

(e) Trust – Attitude

β = .140

–

.000

rejected

 H7o

Past experience – intention to enrol

β = .186

–

.000

rejected

 H8o

Attitude – intention to enrol

β = .482

–

.000

rejected

Hypotheses tested for those with PHI

 H6o

(a) Problem recognition – Attitude

β = .396

–

.000

rejected

(b) Constraint recognition – Attitude

β = .054

–

.283

fail to be rejected

(c) Involvement recognition – Attitude

β = .197

–

.000

rejected

(d) Percieved value – Attitude

β = −.106

–

.015

rejected

(e) Trust – Attitude

β = .221

–

.000

rejected

 H7o

Past experience – intention to cancel

β = .082

–

.155

fail to be rejected

 H8o

Attitude – intention to cancel

Β = -.327

–

.000

rejected