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Table 2 Univariate logistic estimates for probability of purchasing NHIF health insurance at household level

From: How does membership in local savings groups influence the determinants of national health insurance demand? A cross-sectional study in Kisumu, Kenya

  ROSCA members (n = 163) Non-ROSCA members (n = 281) Interaction* (n = 444)
Variable description Odds ratio CI Odds ratio CI p-value
Household characteristics
 Presence of children < 15 years 0.92 0.49–1.72 1.54 0.59–4.05 0.50
 Presence of elderly > 60 years 1.93 0.76–4.90 0.74 0.20–2.74 0.15
Socioeconomic status (Reference group: First and second quintiles)
 Middle wealth 1.71 0.91–3.23 2.56 1.12–5.88 0.47
 Wealthiest quintile 2.81 1.38–5.73 2.08 0.71–6.10
Household head characteristics
 Sex of household head (Reference group: Male)
  Female 0.65 0.35–1.23 0.29 0.11–0.79 0.09
 Age (Reference group: ≤24 years)
  25–29 years 0.71 0.27–1.90 1.29 0.35–4.72 0.16
  30–45 years 0.92 0.38–2.22 2.16 0.65–7.17
  46–59 years 1.92 0.68–5.42 1.79 0.41–7.86
  60+ years 1.92 0.59–6.24 0.42 0.04–4.18
 Education (Reference group: Primary level or less)
  Secondary education or higher 1.80 1.05–3.11 3.23 1.47–7.08 0.84
 Employment type (Reference group: Paid employees)
  Self-employed 0.95 0.55–1.66 0.25 0.11–0.57 0.03
  No fixed employment 1.15 0.35–3.75 0.55 0.14–2.25
 Remuneration (Reference group: Fixed salary)
  Daily/hourly pay 0.70 0.29–1.71 0.20 0.07–0.53 0.19
  Task-based payment 0.52 0.23–1.14 0.15 0.05–0.44
  Business profits 0.76 0.33–1.76 0.32 0.11–0.95
 Marital status (Reference group: Unmarried)
  Married 1.87 0.96–3.64 3.46 1.26–9.51 0.57
Presence of chronic illness in household 0.65 0.17–2.44 0.35 0.43–2.84 0.46
  1. *The p-values assess whether the association between each variable and NHIF membership is significantly different for the ROSCA and non-ROSCA households
  2. The odds in the reference group are multiplied by the odds ratio for each category