Table II.

List of explanatory variables

Explanatory variableDefinition
logcln(coinsurance + 1), 0 ≤ coinsurance ≤ 100
idp1 if individual deductible plan, 0 otherwise
lpiln(max(1, annual participation incentive payment))
fmde0 if idp = 1, ln(max(1,MDE0.01 coinsurance)) otherwise
lincln(family income)
lfamln (family size)
female1 if person is a woman
child1 if age is less than 18
fchildFemale*child
black1 if race of household head is black
educdecEducation of the household head in years
physlim1 if the person has a physical limitation
diseaNumber of chronic diseases
hlthg1 if self-rated health is good
hlthf1 if self-rated health is fair
hlthp1 if self-rated health is poor
 Omitted category is excellent self-rated health

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