List of explanatory variables
| Explanatory variable | Definition |
|---|---|
| logc | ln(coinsurance + 1), 0 ≤ coinsurance ≤ 100 |
| idp | 1 if individual deductible plan, 0 otherwise |
| lpi | ln(max(1, annual participation incentive payment)) |
| fmde | 0 if idp = 1, |
| linc | ln(family income) |
| lfam | ln (family size) |
| female | 1 if person is a woman |
| child | 1 if age is less than 18 |
| fchild | Female*child |
| black | 1 if race of household head is black |
| educdec | Education of the household head in years |
| physlim | 1 if the person has a physical limitation |
| disea | Number of chronic diseases |
| hlthg | 1 if self-rated health is good |
| hlthf | 1 if self-rated health is fair |
| hlthp | 1 if self-rated health is poor |
| Omitted category is excellent self-rated health |
| Explanatory variable | Definition |
|---|---|
| logc | ln( |
| idp | 1 if individual deductible plan, 0 otherwise |
| lpi | ln(max(1, |
| fmde | 0 if idp = 1, |
| linc | ln( |
| lfam | ln ( |
| female | 1 if person is a woman |
| child | 1 if age is less than 18 |
| fchild | Female*child |
| black | 1 if race of household head is black |
| educdec | Education of the household head in years |
| physlim | 1 if the person has a physical limitation |
| disea | Number of chronic diseases |
| hlthg | 1 if self-rated health is good |
| hlthf | 1 if self-rated health is fair |
| hlthp | 1 if self-rated health is poor |
| Omitted category is excellent self-rated health |
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