What Impact HIPAA?
State Regulation and Private Health Insurance Coverage
among Adults
by
Deborah J. Chollet, Ph.D.
Kosali Ilayperuma
Simon, Ph.D.
Adele M. Kirk, M.A.
TABLE 2
Regression Results for Small Employer Coverage
Firms with
<100 workers
Dependent = Any employer coverage |
| |
Model 1 |
Model 2 |
Model 3 |
| Parameter |
Estimate |
Std Error |
Estimate |
Std Error |
Estimate |
Std Error |
| INTERCEPT |
-0.0869 |
0.0883 |
0.6041 |
0.3894 |
0.3181 |
0.4128 |
| G_NUMINS |
0.0007 |
0.0007 |
|
|
-0.0002 |
0.0009 |
| G_TOPFIV |
0.0008 |
0.0008 |
|
|
0.0021 ** |
0.0010 |
| G_HMO |
-0.0417 |
0.0426 |
-0.0747 *** |
0.0419 |
-0.0420 |
0.0446 |
| G_COMM |
-0.0246 |
0.0586 |
-0.0269 |
0.0628 |
-0.0152 |
0.0633 |
| G_COMLR |
-0.0498 |
0.0394 |
-0.0327 |
0.0388 |
-0.0658 |
0.0423 |
| GISOMALL |
|
|
0.0068 |
0.0166 |
0.0077 |
0.0167 |
| G_ALL |
|
|
0.2130 *** |
0.1098 |
0.2569 ** |
0.1125 |
| G_RATEH |
|
|
0.3637 |
0.2980 |
0.1447 |
0.3222 |
| G_RATEA |
|
|
-0.5013 |
0.4208 |
-0.1702 |
0.4590 |
| G_RATEC |
|
|
-0.4741 *** |
0.2560 |
-0.4702 *** |
0.2560 |
| G_PREEX |
|
|
0.0001 |
0.0005 |
0.0000 |
0.0006 |
| G_HEALTH |
|
|
0.0021 |
0.1175 |
0.0330 |
0.1188 |
| G_AGE |
|
|
0.9076 |
0.6567 |
0.5587 |
0.6889 |
| G_COMP |
|
|
0.1457 *** |
0.0862 |
0.1724 ** |
0.0895 |
| GR |
|
|
-0.6317 |
0.3878 |
-0.4986 |
0.3976 |
| AGEYR |
-0.0001 |
0.0009 |
-0.0001 |
0.0009 |
-0.0001 |
0.0009 |
| AGEYR2 |
0.0000 |
0.0000 |
0.0000 |
0.0000 |
0.0000 |
0.0000 |
| FAMINC |
0.0193 * |
0.0009 |
0.0193 * |
0.0009 |
0.0193 * |
0.0009 |
| FAMINC2 |
-0.0004 * |
0.0000 |
-0.0004 * |
0.0000 |
-0.0004 * |
0.0000 |
| GEWAGE |
0.0375 * |
0.0013 |
0.0375 * |
0.0013 |
0.0376 * |
0.0013 |
| GEWAGE2 |
-0.0010 * |
0.0000 |
-0.0010 * |
0.0000 |
-0.0010 * |
0.0000 |
| GEFT |
0.0844 * |
0.0050 |
0.0844 * |
0.0050 |
0.0845 * |
0.0050 |
| GSELFEM |
-0.1145 * |
0.0045 |
-0.1145 * |
0.0045 |
-0.1145 * |
0.0045 |
| IND1 |
-0.0034 |
0.0140 |
-0.0034 |
0.0140 |
-0.0034 |
0.0140 |
| IND2 |
-0.0237 |
0.0210 |
-0.0234 |
0.0210 |
-0.0231 |
0.0210 |
| IND3 |
-0.0705 * |
0.0070 |
-0.0703 * |
0.0070 |
-0.0703 * |
0.0070 |
| IND4 |
0.0021 |
0.0074 |
0.0020 |
0.0074 |
0.0020 |
0.0074 |
| IND5 |
-0.0089 |
0.0088 |
-0.0087 |
0.0088 |
-0.0087 |
0.0088 |
| IND6 |
-0.0330 * |
0.0088 |
-0.0329 * |
0.0088 |
-0.0329 * |
0.0088 |
| IND7 |
0.0162 ** |
0.0082 |
0.0162 ** |
0.0082 |
0.0164 ** |
0.0082 |
| IND8 |
-0.0645 * |
0.0063 |
-0.0644 * |
0.0063 |
-0.0643 * |
0.0063 |
| IND9 |
0.0012 |
0.0080 |
0.0012 |
0.0080 |
0.0014 |
0.0080 |
| IND10 |
-0.0515 * |
0.0067 |
-0.0513 * |
0.0067 |
-0.0513 * |
0.0067 |
| IND11 |
-0.0518 * |
0.0099 |
-0.0520 * |
0.0099 |
-0.0518 * |
0.0099 |
| IND12 |
-0.0495 * |
0.0127 |
-0.0497 * |
0.0127 |
-0.0495 * |
0.0127 |
| OCC1 |
0.0975 * |
0.0096 |
0.0975 * |
0.0096 |
0.0974 * |
0.0096 |
| OCC2 |
0.0841 * |
0.0108 |
0.0840 * |
0.0108 |
0.0841 * |
0.0108 |
| OCC3 |
0.1338 * |
0.0138 |
0.1338 * |
0.0138 |
0.1336 * |
0.0138 |
| OCC4 |
0.0740 * |
0.0100 |
0.0740 * |
0.0100 |
0.0741 * |
0.0100 |
| OCC5 |
0.1140 * |
0.0103 |
0.1139 * |
0.0103 |
0.1140 * |
0.0103 |
| OCC6 |
-0.0190 |
0.0186 |
-0.0187 |
0.0186 |
-0.0188 |
0.0186 |
| OCC7 |
0.0177 |
0.0243 |
0.0173 |
0.0243 |
0.0175 |
0.0243 |
| OCC8 |
-0.0399 * |
0.0101 |
-0.0400 * |
0.0101 |
-0.0400 * |
0.0101 |
| OCC 9 |
-0.0257 |
0.0160 |
-0.0260 |
0.0160 |
-0.0261 |
0.0160 |
| OCC10 |
0.0821 * |
0.0092 |
0.0820 * |
0.0092 |
0.0821 * |
0.0092 |
| OCC11 |
0.0375 * |
0.0109 |
0.0372 * |
0.0109 |
0.0372 * |
0.0109 |
| OCC12 |
0.0550 * |
0.0108 |
0.0546 * |
0.0108 |
0.0546 * |
0.0108 |
| FAMCHILD |
-0.0143 * |
0.0015 |
-0.0142 * |
0.0015 |
-0.0142 * |
0.0015 |
| EDUCG1 |
-0.1957 * |
0.0112 |
-0.1958 * |
0.0112 |
-0.1957 * |
0.0112 |
| EDUCG2 |
-0.1819 * |
0.0125 |
-0.1818 * |
0.0125 |
-0.1815 * |
0.0125 |
| EDUCG3 |
-0.1510 * |
0.0126 |
-0.1508 * |
0.0126 |
-0.1508 * |
0.0126 |
| EDUCG4 |
-0.0956 * |
0.0115 |
-0.0956 * |
0.0115 |
-0.0957 * |
0.0115 |
| EDUCG5 |
-0.0670 * |
0.0098 |
-0.0670 * |
0.0098 |
-0.0670 * |
0.0098 |
| EDUCG6 |
-0.0149 *** |
0.0077 |
-0.0148 *** |
0.0077 |
-0.0147 *** |
0.0077 |
| EDUCG7 |
0.0218 * |
0.0076 |
0.0218 * |
0.0076 |
0.0218 * |
0.0076 |
| EDUCG8 |
0.0308 * |
0.0077 |
0.0309 * |
0.0077 |
0.0309 * |
0.0077 |
| FEMALE |
0.0454 * |
0.0062 |
0.0454 * |
0.0062 |
0.0454 * |
0.0062 |
| FMAR |
-0.0528 * |
0.0073 |
-0.0528 * |
0.0073 |
-0.0528 * |
0.0073 |
| FWIDDIV |
-0.0194 *** |
0.0109 |
-0.0195 *** |
0.0109 |
-0.0195 *** |
0.0109 |
| FSEP |
-0.0150 |
0.0196 |
-0.0148 |
0.0196 |
-0.0150 |
0.0196 |
| MAR |
0.1280 * |
0.0057 |
0.1279 * |
0.0057 |
0.1279 * |
0.0057 |
| WIDDIV |
0.0115 |
0.0082 |
0.0115 |
0.0082 |
0.0115 |
0.0082 |
| SEP |
0.0435 * |
0.0144 |
0.0434 * |
0.0144 |
0.0436 * |
0.0144 |
| WHITE |
0.0590 * |
0.0179 |
0.0589 * |
0.0179 |
0.0590 * |
0.0179 |
| BLACK |
-0.0087 |
0.0187 |
-0.0090 |
0.0187 |
-0.0089 |
0.0187 |
| ASIAN |
-0.0079 |
0.0195 |
-0.0081 |
0.0195 |
-0.0081 |
0.0195 |
| HEA1 |
0.1667 * |
0.0146 |
0.1666 * |
0.0146 |
0.1666 * |
0.0146 |
| HEA2 |
0.1482 * |
0.0145 |
0.1481 * |
0.0145 |
0.1480 * |
0.0145 |
| HEA3 |
0.1130 * |
0.0146 |
0.1127 * |
0.0146 |
0.1128 * |
0.0146 |
| HEA4 |
0.0755 * |
0.0160 |
0.0754 * |
0.0160 |
0.0754 * |
0.0160 |
| SIZE2 |
0.0851 * |
0.0042 |
0.0852 * |
0.0042 |
0.0852 * |
0.0042 |
| SIZE3 |
0.1659 * |
0.0041 |
0.1660 * |
0.0041 |
0.1660 * |
0.0041 |
| YEAR96 |
0.0245 * |
0.0052 |
0.0252 * |
0.0053 |
0.0269 * |
0.0058 |
| YEAR97 |
0.0270 * |
0.0044 |
0.0280 * |
0.0046 |
0.0286 * |
0.0046 |
| POPMIL |
0.0096 |
0.0100 |
0.0073 |
0.0161 |
0.0120 |
0.0171 |
| |
| n |
80,177 |
|
80,177 |
|
80,177 |
|
| R2 |
0.2524 |
|
0.2525 |
|
0.2526 |
|
| F-value |
237.16 * |
|
221.69 * |
|
218.16 * |
|