Table 5 Impact of health insurance on CHE for full sample, by wealth terciles and by chronic illness status, [(Instrumental Variables Approach 2011 and 2013)]
| Â | (1) | (2) | (3) | (4) | (5) | (6) | (7) |
|---|---|---|---|---|---|---|---|
| Â | Full sample -no controls | Full sample-controls | Poor | Middle | Rich | Chronic | Non- Chronic |
Panel A: CHE (> 10% of household consumption) | |||||||
  Household Insured 2011 | -0.095*** | -0.102*** | -0.172** | -0.080 | -0.080** | -0.157** | -0.089*** |
| Â | (0.029) | (0.030) | (0.087) | (0.049) | (0.034) | (0.069) | (0.033) |
 Controls | No | Yes | Yes | Yes | Yes | Yes | Yes |
  N | 1036 | 1036 | 347 | 345 | 344 | 226 | 810 |
  Household Insured 2013 | -0.017 | -0.016 | 0.004 | -0.037 | -0.026 | 0.022 | -0.025 |
| Â | (0.023) | (0.022) | (0.054) | (0.040) | (0.022) | (0.051) | (0.025) |
 Controls | No | Yes | Yes | Yes | Yes | Yes | Yes |
  N | 1039 | 1039 | 347 | 346 | 346 | 227 | 812 |
Panel B: CHE (> = 40% of capacity to pay) | |||||||
  Household Insured 2011 | 0.000 | 0.000 | 0.059 | -0.009 | -0.043** | -0.008 | 0.003 |
| Â | (0.020) | (0.021) | (0.070) | (0.020) | (0.021) | (0.061) | (0.021) |
 Controls | No | Yes | Yes | Yes | Yes | Yes | Yes |
  N | 1036 | 1036 | 347 | 345 | 344 | 226 | 810 |
  Household Insured 2013 | -0.005 | 0.000 | -0.040 | -0.027 | -0.006 | 0.041 | -0.007 |
| Â | (0.023) | (0.023) | (0.073) | (0.038) | (0.014) | (0.052) | (0.025) |
 Controls | No | Yes | Yes | Yes | Yes | Yes | Yes |
  N | 1039 | 1039 | 347 | 346 | 346 | 227 | 812 |