Health insurance of rural/township schoolchildren in Pinggu, Beijing: coverage rate, determinants, disparities, and sustainability

Table 2 Determinants of and Barriers to Children's Health Insurance

Determinant	Insured vs. Uninsured
	Adjusted OR	95% CI¹	p-value²
Affordability for insurance premium			<0.001
Unaffordable	1
Neutral	0.47	(0.20, 1.13)
Somewhat affordable	0.65	(0.27, 1.56)
Affordable	1.07	(0.46, 2.52)
Satisfaction about insurance system ³	3.17	(2.10, 4.79)	<0.001
Number of children in household			0.002
One or two	1
Three or more	0.38	(0.11, 1.40)
Parental Occupation			0.030
Both gov./state enterprise employees	1
Non-farmer & at least one self employed	1.31	(0.63, 2.71)
One or both farmer	7.22	(2.96, 17.64
Non-farmer & at least one unemployed	2.57	(0.91, 7.24)
Insurance status of any parents			<0.001
Insured	1
Uninsured	0.01	(0.001, 0.04)
Education of *uninsured* household head ⁴	2.59	(1.56, 4.31)	<0.001

1. Approximate confidence interval derived as mean ± 1.96*standard error.
2. P-value based on likelihood ratio test for the overall effect of each factor.
3. Ordinal scale was replaced by continuous ratio in increasing satisfaction: dissatisfied = 1, neutral = 2, satisfied = 3
4. Ordinal scale was replaced by continuous ratio in increasing education level (see Table 1); effects applicable only to households with no insured parent

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