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Table 4 Characteristics of unafforders by insurance status (%)

From: Refusal to enrol in Ghana’s National Health Insurance Scheme: is affordability the problem?

Variable Household health insurance status Total (n=702) F-test/Pearson’s χ 2
Uninsured (n=385) Partially insured (n=187) Fully insured (n=130)
District      
  Kwaebibirem 16.62 17.65 12.31 16.10 3.59
  Asutifi 23.64 28.34 26.92 25.50  
  Savelugu-Nanton 59.74 54.01 60.77 58.40  
Socio-economic quintiles      
  First 70.13 65.24 70.77 68.95  
  Second 29.87 34.76 29.23 31.05 1.65
Residence      
  Rural 52.47 42.25 37.69 47.01 10.84***
  Urban 47.53 57.75 62.31 52.99  
Household characteristics      
Sex of household head      6.26*
  Male 85.19 77.54 76.46 81.91
  Female 14.81 22.46 21.54 18.09
Household size (mean) 5.5 5.9 4.9 5.5 6.24***
Expected contributions as % of non-food expenditure (mean) 10.7 10.1 8.6 10.2 6.30***
Expected contributions as % of total expenditure (mean) 4.0 3.6 3.6 3.8 3.46**
  1. Source: Household survey, 2011.
  2. Notes: *Significant at 10%; **Significant at 5%; ***Significant at 1%.