Short and longer-term impacts of health insurance on catastrophic health expenditures in Kwara State, Nigeria

Table 3 Impact of health insurance on CHE for full sample, by wealth terciles and by chronic illness status [(Intention-to-treat estimates 2011 and 2013)]

	(1)	(2)	(3)	(4)	(5)	(6)	(7)
	Full sample -no controls	Full sample-controls	Poor	Middle	Rich	Chronic	Non-Chronic
Panel A: CHE (> 10% of household consumption)
ITT 2011	-0.043**	-0.043**	-0.072***	-0.032	-0.036	-0.094***	-0.029
	(0.017)	(0.017)	(0.025)	(0.027)	(0.025)	(0.033)	(0.018)
ITT 2013	-0.009	-0.009	-0.015	-0.012	-0.012	-0.025	-0.005
	(0.015)	(0.015)	(0.023)	(0.025)	(0.022)	(0.034)	(0.016)
N	3117	3096	1034	1032	1030	678	2418
Adj. R-sq	0.005	0.006	0.013	0.008	0.002	0.007	0.004
Panel B: CHE (> = 40% of capacity to pay)
ITT 2011	-0.006	-0.007	-0.011	-0.006	-0.012	-0.043	0.004
	(0.011)	(0.011)	(0.022)	(0.015)	(0.014)	(0.030)	(0.012)
ITT 2013	-0.009	-0.011	-0.058*	-0.016	0.006	-0.024	-0.007
	(0.013)	(0.013)	(0.035)	(0.021)	(0.014)	(0.032)	(0.013)
N	3117	3096	1034	1032	1030	678	2418
Adj. R-sq	0.002	0.020	0.032	0.006	0.003	0.022	0.017

Standard errors clustered at EA level (in parentheses)
^* p < 0.10; ** p < 0.05; *** p < 0.01
Based on the balanced panel of 1,039 households
Covariates included in the ITT regressions are gender and marital status of the household head, and household size

ISSN: 1472-6963