Table 3 Summary statistics of the expected household NHIS contributions by selected variables
From: Refusal to enrol in Ghana’s National Health Insurance Scheme: is affordability the problem?
Variable | Mean a | Std. Dev. | F-test b | Household size (mean) | Number of premium exempt persons (mean) c | Number of premium paying persons (mean) | Expected NHIS contributions as % of non-food expenditure (mean) | Expected NHIS contributions as % of total expenditure (mean) | Total (n) |
|---|---|---|---|---|---|---|---|---|---|
District | 217.85*** | ||||||||
Asutifi | 39.16 | 20.85 | 4.1 | 2.2 | 1.9 | 4.3 | 1.4 | 810 | |
Kwaebibirem | 39.44 | 22.66 | 3.5 | 1.9 | 1.6 | 4.6 | 1.5 | 798 | |
Savelugu-Nanton | 60.85 | 27.81 | 5.7 | 3.1 | 2.6 | 8.8 | 3.1 | 810 | |
Household insurance status | |||||||||
Uninsured | 47.73 | 26.70 | 64.31*** | 4.5 | 2.4 | 2.1 | 6.7 | 2.2 | 1,117 |
Partially insured | 53.69 | 25.22 | 5.3 | 2.9 | 2.4 | 6.2 | 2.0 | 620 | |
Fully insured | 38.01 | 23.16 | 3.6 | 2.0 | 1.6 | 4.2 | 1.5 | 681 | |
Socio-economic quintiles | 60.43*** | ||||||||
First | 56.69 | 26.11 | 5.6 | 3.1 | 2.5 | 11.4 | 4.5 | 484 | |
Second | 51.26 | 27.05 | 5.1 | 2.9 | 2.2 | 7.0 | 2.1 | 484 | |
Third | 46.80 | 26.73 | 4.6 | 2.6 | 2.0 | 5.3 | 1.5 | 483 | |
Fourth | 44.67 | 25.35 | 4.2 | 2.3 | 2.0 | 3.7 | 1.1 | 484 | |
Fifth | 33.14 | 17.67 | 2.7 | 1.3 | 1.4 | 2.0 | 0.7 | 483 | |
Reason for non-membership | |||||||||
Payment is expensive | 13.49*** | ||||||||
Yes | 52.47 | 24.91 | 5.1 | 2.8 | 2.3 | 7.9 | 2.6 | 762 | |
No | 47.81 | 27.23 | 4.5 | 2.4 | 2.1 | 5.5 | 1.8 | 975 | |
Does not fall sick | 17.44*** | ||||||||
Yes | 44.37 | 25.38 | 3.9 | 2.0 | 1.9 | 5.0 | 1.7 | 324 | |
No | 51.11 | 26.38 | 5.0 | 2.8 | 2.2 | 6.9 | 2.3 | 1,413 | |
All | 46.52 | 26.02 | 4.4 | 2.4 | 2.0 | 5.9 | 2.0 |