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 3
Regression Results for Small Employer Coverage
Firms with
<25 workers
Dependent = Any employer coverage |
| |
Model 1 |
Model 2 |
Model 3 |
| Parameter |
Estimate |
Std Error |
Estimate |
Std Error |
Estimate |
Std Error |
| INTERCEPT |
-0.1073 |
0.1100 |
0.7165 |
0.4803 |
0.2230 |
0.5101 |
| G_NUMINS |
0.0008 |
0.0009 |
|
|
-0.0003 |
0.0011 |
| G_TOPFIV |
0.0023 ** |
0.0010 |
|
0.0037 * |
|
0.0013 |
| G_HMO |
-0.0577 |
0.0537 |
-0.1145 ** |
0.0528 |
-0.0578 |
0.0562 |
| G_COMM |
-0.0806 |
0.0730 |
-0.0737 |
0.0783 |
-0.0497 |
0.0789 |
| G_COMLR |
-0.0653 |
0.0492 |
-0.0219 |
0.0486 |
-0.0782 |
0.0529 |
| GISOMALL |
|
|
0.0038 |
0.0203 |
0.0053 |
0.0204 |
| G_ALL |
|
|
0.1883 |
0.1351 |
0.2646 *** |
0.1387 |
| G_RATEH |
|
|
0.4027 |
0.3683 |
0.0245 |
0.3992 |
| G_RATEA |
|
|
-0.6137 |
0.5192 |
-0.0422 |
0.5679 |
| G_RATEC |
|
|
-0.4701 |
0.3150 |
-0.4642 |
0.3150 |
| G_PREEX |
|
|
-0.0001 |
0.0007 |
-0.0003 |
0.0007 |
| G_HEALTH |
|
|
0.0454 |
0.1470 |
0.0998 |
0.1486 |
| G_AGE |
|
|
1.0175 |
0.8096 |
0.4169 |
0.8503 |
| G_COMP |
|
|
0.0905 |
0.1066 |
0.1362 |
0.1107 |
| GR |
|
|
-0.6896 |
0.4783 |
-0.4613 |
0.4905 |
| AGEYR |
-0.0022 *** |
0.0012 |
-0.0022 *** |
0.0012 |
-0.0022 *** |
0.0012 |
| AGEYR2 |
0.0000 * |
0.0000 |
0.0000 * |
0.0000 |
0.0000 * |
0.0000 |
| FAMINC |
0.0220 * |
0.0011 |
0.0220 * |
0.0011 |
0.0220 * |
0.0011 |
| FAMINC2 |
-0.0004 * |
0.0000 |
-0.0004 * |
0.0000 |
-0.0004 * |
0.0000 |
| GEWAGE |
0.0342 * |
0.0015 |
0.0343 * |
0.0015 |
0.0343 * |
0.0015 |
| GEWAGE2 |
-0.0009 * |
0.0000 |
-0.0009 * |
0.0000 |
-0.0009 * |
0.0000 |
| GEFT |
0.0725 * |
0.0058 |
0.0723 * |
0.0058 |
0.0725 * |
0.0058 |
| GSELFEM |
-0.1189 * |
0.0049 |
-0.1190 * |
0.0049 |
-0.1189 * |
0.0049 |
| IND1 |
-0.0153 |
0.0165 |
-0.0153 |
0.0165 |
-0.0155 |
0.0165 |
| IND2 |
0.0084 |
0.0313 |
0.0074 |
0.0313 |
0.0083 |
0.0313 |
| IND3 |
-0.0749 * |
0.0088 |
-0.0746 * |
0.0088 |
-0.0750 * |
0.0088 |
| IND4 |
0.0045 |
0.0105 |
0.0045 |
0.0105 |
0.0043 |
0.0105 |
| IND5 |
0.0125 |
0.0129 |
0.0127 |
0.0129 |
0.0125 |
0.0129 |
| IND6 |
-0.0464 * |
0.0116 |
-0.0463 * |
0.0116 |
-0.0464 * |
0.0116 |
| IND7 |
0.0028 |
0.0107 |
0.0026 |
0.0107 |
0.0026 |
0.0107 |
| IND8 |
-0.0802 * |
0.0080 |
-0.0801 * |
0.0080 |
-0.0802 * |
0.0080 |
| IND9 |
-0.0005 |
0.0101 |
-0.0005 |
0.0101 |
-0.0004 |
0.0101 |
| IND10 |
-0.0474 * |
0.0083 |
-0.0470 * |
0.0083 |
-0.0473 * |
0.0083 |
| IND11 |
-0.0678 * |
0.0116 |
-0.0682 * |
0.0116 |
-0.0680 * |
0.0116 |
| IND12 |
-0.0532 * |
0.0157 |
-0.0541 * |
0.0157 |
-0.0535 * |
0.0157 |
| OCC1 |
0.1014 * |
0.0124 |
0.1015 * |
0.0124 |
0.1013 * |
0.0124 |
| OCC2 |
0.0866 * |
0.0139 |
0.0868 * |
0.0139 |
0.0865 * |
0.0139 |
| OCC3 |
0.1298 * |
0.0180 |
0.1301 * |
0.0181 |
0.1299 * |
0.0181 |
| OCC4 |
0.0860 * |
0.0128 |
0.0862 * |
0.0129 |
0.0860 * |
0.0129 |
| OCC5 |
0.1126 * |
0.0135 |
0.1126 * |
0.0135 |
0.1126 * |
0.0135 |
| OCC6 |
-0.0054 |
0.0208 |
-0.0047 |
0.0208 |
-0.0051 |
0.0208 |
| OCC7 |
0.1324 * |
0.0352 |
0.1319 * |
0.0352 |
0.1315 * |
0.0352 |
| OCC8 |
-0.0224 *** |
0.0130 |
-0.0224 *** |
0.0130 |
-0.0224 *** |
0.0130 |
| OCC9 |
-0.0063 |
0.0195 |
-0.0063 |
0.0195 |
-0.0063 |
0.0195 |
| OCC10 |
0.0794 * |
0.0117 |
0.0794 * |
0.0118 |
0.0794 * |
0.0118 |
| OCC11 |
0.0298 ** |
0.0151 |
0.0298 ** |
0.0151 |
0.0296 ** |
0.0151 |
| OCC12 |
0.0516 * |
0.0141 |
0.0515 * |
0.0141 |
0.0514 * |
0.0141 |
| FAMCHILD |
-0.0144 * |
0.0019 |
-0.0144 * |
0.0019 |
-0.0144 * |
0.0019 |
| EDUCG1 |
-0.1822 * |
0.0139 |
-0.1820 * |
0.0139 |
-0.1820 * |
0.0139 |
| EDUCG2 |
-0.1821 * |
0.0152 |
-0.1820 * |
0.0153 |
-0.1814 * |
0.0153 |
| EDUCG3 |
-0.1492 * |
0.0156 |
-0.1488 * |
0.0156 |
-0.1489 * |
0.0156 |
| EDUCG4 |
-0.1005 * |
0.0142 |
-0.1002 * |
0.0142 |
-0.1004 * |
0.0142 |
| EDUCG5 |
-0.0673 * |
0.0121 |
-0.0670 * |
0.0121 |
-0.0673 * |
0.0121 |
| EDUCG6 |
-0.0217 ** |
0.0095 |
-0.0215 ** |
0.0095 |
-0.0215 ** |
0.0095 |
| EDUCG7 |
0.0206 ** |
0.0094 |
0.0207 ** |
0.0094 |
0.0206 ** |
0.0094 |
| EDUCG8 |
0.0349 * |
0.0095 |
0.0351 * |
0.0095 |
0.0350 * |
0.0095 |
| FEMALE |
0.0463 * |
0.0079 |
0.0462 * |
0.0079 |
0.0463 * |
0.0079 |
| FMAR |
-0.0482 * |
0.0093 |
-0.0481 * |
0.0093 |
-0.0481 * |
0.0093 |
| FWIDDIV |
-0.0258 *** |
0.0134 |
-0.0259 *** |
0.0134 |
-0.0260 *** |
0.0134 |
| FSEP |
-0.0170 |
0.0244 |
-0.0167 |
0.0244 |
-0.0168 |
0.0244 |
| MAR |
0.1255 * |
0.0071 |
0.1254 * |
0.0071 |
0.1254 * |
0.0071 |
| WIDDIV |
0.0025 |
0.0100 |
0.0025 |
0.0100 |
0.0027 |
0.0100 |
| SEP |
0.0633 * |
0.0178 |
0.0631 * |
0.0178 |
0.0632 * |
0.0178 |
| WHITE |
0.0747 * |
0.0224 |
0.0751 * |
0.0224 |
0.0748 * |
0.0224 |
| BLACK |
0.0065 |
0.0235 |
0.0068 |
0.0235 |
0.0067 |
0.0235 |
| ASIAN |
0.0003 |
0.0244 |
0.0006 |
0.0244 |
0.0003 |
0.0244 |
| HEA1 |
0.1593 * |
0.0176 |
0.1591 * |
0.0176 |
0.1591 * |
0.0176 |
| HEA2 |
0.1332 * |
0.0174 |
0.1332 * |
0.0174 |
0.1330 * |
0.0174 |
| HEA3 |
0.0980 * |
0.0176 |
0.0978 * |
0.0176 |
0.0978 * |
0.0176 |
| HEA4 |
0.0508 * |
0.0193 |
0.0506 * |
0.0193 |
0.0505 * |
0.0193 |
| SIZE2 |
0.0851 * |
0.0044 |
0.0851 * |
0.0044 |
0.0851 * |
0.0044 |
| YEAR96 |
0.0188 * |
0.0066 |
0.0176 * |
0.0068 |
0.0204 * |
0.0073 |
| YEAR97 |
0.0267 * |
0.0056 |
0.0271 * |
0.0058 |
0.0282 * |
0.0059 |
| POPMIL |
-0.0071 |
0.0125 |
0.0006 |
0.0202 |
0.0088 |
0.0214 |
| |
| n |
54,248 |
|
54,248 |
|
54,248 |
|
| R2 |
0.2196 |
|
0.2196 |
|
0.2197 |
|
| F-value |
134.82 * |
|
125.89 * |
|
123.93 * |
|