Table 1 Financial difficulties: marginal effects of independent variables

Group (ref: Other Rx users)

Diabetes

0.231^***

0.015

Eligibility

0.128^***

0.010

Survey year (ref:2015)

2017

0.019^*

0.008

Gender (ref: Female)

Male

-0.048^***

0.008

Age (ref: 40–59 years)

18–39

0.027^*

0.013

60–69

-0.027^**

0.010

70+

-0.064^***

0.010

NUTS2 (ref: Western)

Helsinki-Uusimaa

-0.007

0.010

Southern

0.018

0.011

Northern/Eastern

0.006

0.011

Survey type (ref:postal)

Internet panel

0.030^***

0.008

n

9268

Pseudo R-square

0.053

AIC

7925

BIC

8004