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Table 2 Factors associated with NHIS membership in the Kassena-Nankana East and Kassena-Nankana West districts in 2012, N = 39,262

From: The state of enrollment on the National Health Insurance Scheme in rural Ghana after eight years of implementation

Factors

Categories

% currently insured

Odds ratio (95% Confidence Interval)

Unadjusted

Adjusted

Age (years)

< 18

53.2

1.3 (1.2–1.5)

1.2 (1.1–1.4)s

18–59

48.1

1.1 (1.0–1.2)

0.8 (0.8–0.9)

60–69

46.9

1.0 (0.9–1.2)

1.0 (0.9–1.1)

70+

46.2

1.0 (base)

1.0 (base)

Gender

Female

53.5

1.3 (1.3–1.4)

1.4 (1.3–1.5)s

Male

46.3

1.0 (base)

1.0 (base)

Location

Rural

46.7

1.0 (base)

1.0 (base)

Urban

77.8

4.0 (3.7–4.3)

1.4 (1.3–1.5)s

Household size

1

53.9

1.0 (base)

1.0 (base)

2–4

52.8

1.0 (0.8–1.1)

1.0 (0.9–1.2)

5+

49.1

0.8 (0.7–1.0)

1.0 (0.9–1.2) n

Education

No formal

42.8

1.0 (base)

1.0 (base)

Primary

45.3

1.1 (1.1–1.2)

1.0 (0.9–1.0)n

High School

56.2

1.7 (1.6–1.8)

1.4 (1.3–1.5)s

Tertiary

77.6

4.6 (3.9–5.4)

2.4 (2.0–2.9)s

 

Under schooling age*

58.5

1.9 (1.8–2.0)

1.4 (1.3–1.5)s

Ethnicity

Kassena

61.3

2.9 (2.8–3.1)

2.3 (2.2–2.4)s

Nankani

35.1

1.0 (base)

1.0 (base)

Others

68.4

4.0 (3.6–4.5)

2.6 (2.3–3.0)s

Religion

Christianity

59.0

2.4 (2.3–2.5)

1.5 (1.5–1.6)s

Traditional

37.9

1.0 (base)

1.0 (base)

Islam

67.6

3.4 (3.1–3.8)

1.2 (1.1–1.4)s

Wealth quintiles

Poorest

41.7

1.0 (base)

1.0 (base)

Moderately poor

42.5

1.0 (1.0–1.1)

1.0 (1.0–1.1)

Average

44.2

1.1 (1.1–1.2)

1.1 (1.0–1.1)n

Moderately rich

60.3

2.1 (2.0–2.3)

1.8 (1.7–1.9)s

Richest

80.5

5.8 (5.3–6.3)

2.9 (2.6–3.2)s

Recent illness

Yes

53.2

1.0 (base)

1.0 (base)

No

49.8

0.9 (0.8–1.0)

0.8 (0.7–0.9)s

  1. *Represents children yet to attain the school-going age of 6 years
  2. sSignificant in both bivariate and multivariate analyses
  3. nNot significant in the multivariate analysis