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Table 5 Multinomial logistic regression: Odds ratio of insurance status among adults aged 18-49

From: Determinants of National Health Insurance enrolment in Ghana across the life course: Are the results consistent between surveys?

  Never enrolled Prev. enrolled
Odds Ratio 95% CI Odds Ratio 95% CI
Sex Male 1.00     1.00    
Female 0.39 *** 0.36 0.42 0.81 *** 0.74 0.88
Marital Status Married 1.00     1.00    
Separated/Divorced 1.31 ** 1.10 1.56 1.19   0.98 1.44
Widowed 1.07   0.80 1.43 0.75   0.50 1.10
Never married 0.98   0.87 1.11 1.11   0.97 1.28
Education None 1.00     1.00    
Primary 0.61 *** 0.53 0.69 0.87   0.75 1.01
Secondary 0.33 *** 0.28 0.38 0.60 *** 0.50 0.73
Tertiary 0.25 *** 0.19 0.31 0.63 ** 0.49 0.82
Age 18-29 1.00     1.00    
30-39 0.97   0.87 1.07 0.98   0.86 1.13
40-49 0.77 *** 0.68 0.86 0.94   0.80 1.11
Employment status Not employed in public sector 1.00     1.00    
Employed in public sector 0.38 *** 0.30 0.48 0.69 ** 0.54 0.87
Wealth Lower third 1.00     1.00    
Middle third 0.61 *** 0.53 0.71 0.80 * 0.68 0.95
Upper third 0.51 *** 0.42 0.61 0.74 ** 0.60 0.92
Region Greater Accra 1.00     1.00    
Western 0.50 *** 0.35 0.73 1.46   0.99 2.17
Central 0.95   0.67 1.34 0.91   0.60 1.37
Volta 0.40 *** 0.29 0.55 1.23   0.84 1.79
Eastern 0.36 *** 0.25 0.50 1.08   0.73 1.58
Ashanti 0.33 *** 0.24 0.45 1.58   1.09 2.28
Brong Ahafo 0.17 *** 0.12 0.24 1.15   0.81 1.64
Northern 0.32 *** 0.22 0.47 1.49 * 1.00 2.20
Upper East 0.10 *** 0.06 0.15 0.30 *** 0.19 0.47
Upper West 0.06 *** 0.04 0.09 0.36 *** 0.23 0.57
Residence Rural 1.00     1.00    
Urban 0.76 ** 0.65 0.90 1.08   0.90 1.31
Disability No 1.00     1.00    
Yes 0.83   0.62 1.09 0.99   0.68 1.43
N   28,160 28,160
  1. Source: GLSS 2012/2013, *** p<0.001, ** p<0.01 * p<0.05