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