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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  
  1. Source: Household survey, 2011.
  2. Notes:
  3. aIn Ghana cedis. US$1 = 1.5003 in March, 2011.
  4. bTest of means. ***Significant at 1%.
  5. cExempted from paying the premium but they must pay the registration fee to be members of NHIS.