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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 4

Regression Results for Individual Private Coverage
Dependent = Private (Individual) Coverage
  Model 1 Model 2 Model 3
Parameter Estimate Std Error Estimate Std Error Estimate Std Error
INTERCEPT 0.0611 0.1253 0.1472 ** 0.0599 0.0539 0.1304
I_NUMINS -0.0008 0.0012 -0.0015 0.0009 -0.0008 0.0012
I_TOPFIV 0.0009 0.0010     0.0009 0.0010
I_HMO 0.0358 0.0370 0.0208 0.0332 0.0277 0.0380
I_COMM 0.0411 0.0572     0.0200 0.0607
I_COMLR -0.0140 0.0131 -0.0130 *** 0.0132 -0.0125 0.0133
I_SOMALL     0.0333 0.0326 0.0318 0.0330
I_GIALL     -0.0944 *** 0.0541 -0.0949 *** 0.0551
I_GR     0.0105 0.0128 0.0112 0.0128
RISKDUM -0.0334 0.0229 -0.0329 0.2859 -0.0332 0.0230
I_COMP     -0.0058 0.0295 -0.0051 0.2864
I_HEALTH     0.0027 0.3036 0.0039 0.0298
I_AGE     0.0519 0.0002 0.0563 0.3040
I_PREEX     0.0002 0.0010 0.0002 0.0002
AGEYR -0.0038 * 0.0010 -0.0037 * 0.0000 -0.0038 * 0.0010
AGEYR2 0.0001 * 0.0000 0.0001 * 0.0011 0.0001 * 0.0000
FAMINC 0.0222 * 0.0011 0.0221 * 0.0000 0.0222 * 0.0011
FAMINC2 -0.0004 * 0.0000 -0.0004 * 0.0026 -0.0004 * 0.0000
SGEWAGE 0.0041 0.0026 0.0041 0.0001 0.0041 0.0026
SGEWAGE2 -0.0002 ** 0.0001 -0.0002 ** 0.0119 -0.0002 ** 0.0001
SGEFT 0.0965 * 0.0119 0.0965 * 0.0497 0.0965 * 0.0119
GSELFEM 0.1029 ** 0.0497 0.1045 ** 0.0379 0.1040 ** 0.0497
SIND1 0.1745 * 0.0379 0.1745 * 0.0649 0.1744 * 0.0379
SIND2 0.2530 * 0.0649 0.2531 * 0.0209 0.2534 * 0.0649
SIND3 0.0563 * 0.0209 0.0560 * 0.0270 0.0562 * 0.0209
SIND4 0.0608 ** 0.0270 0.0606 ** 0.0332 0.0609 ** 0.0270
SIND5 0.1306 * 0.0332 0.1298 * 0.0284 0.1303 * 0.0332
SIND6 0.0253 0.0284 0.0250 0.0279 0.0254 0.0284
SIND7 0.0815 * 0.0279 0.0807 * 0.0207 0.0810 * 0.0279
SIND8 0.0547 * 0.0207 0.0546 * 0.0253 0.0548 * 0.0207
SIND9 0.0432 *** 0.0253 0.0429 *** 0.0195 0.0433 *** 0.0253
SIND10 0.0407 ** 0.0195 0.0405 ** 0.0243 0.0407 ** 0.0195
SIND11 0.1468 * 0.0243 0.1462 * 0.0302 0.1463 * 0.0243
SIND12 0.0609 ** 0.0302 0.0608 ** 0.0479 0.0606 ** 0.0302
SOCC1 -0.0415 0.0479 -0.0427 0.0499 -0.0425 0.0479
SOCC2 -0.0401 0.0499 -0.0416 0.0664 -0.0411 0.0499
SOCC3 0.0493 0.0664 0.0483 0.0487 0.0490 0.0664
SOCC4 -0.0211 0.0487 -0.0224 0.0516 -0.0223 0.0487
SOCC5 -0.0088 0.0516 -0.0098   -0.0096 0.0516
SOCC7 -0.2070 *** 0.1074 -0.2074 *** 0.0500 -0.2081 *** 0.1074
SOCC8 -0.1128 ** 0.0500 -0.1143 ** 0.0589 -0.1139 ** 0.0500
SOCC9 -0.0567 0.0589 -0.0576 0.0483 -0.0570 0.0589
SOCC10 -0.0975 ** 0.0483 -0.0987 ** 0.0558 -0.0984 ** 0.0483
SOCC11 -0.0702 0.0558 -0.0713 0.0516 -0.0709 0.0558
SOCC12 -0.0406 0.0516 -0.0423 0.0020 -0.0421 0.0516
GEWAGE -0.0069 * 0.0020 -0.0069 * 0.0001 -0.0069 * 0.0020
GEWAGE2 0.0001 0.0001 0.0001 0.0055 0.0001 0.0001
GEFT -0.0464 * 0.0055 -0.0465 * 0.0180 -0.0465 * 0.0055
IND1 -0.0357 ** 0.0180 -0.0359 ** 0.0267 -0.0359 ** 0.0180
IND2 -0.0638 ** 0.0267 -0.0649 ** 0.0093 -0.0650 ** 0.0267
IND3 -0.0526 * 0.0093 -0.0527 * 0.0091 -0.0527 * 0.0093
IND4 -0.0515 * 0.0091 -0.0514 * 0.0098 -0.0514 * 0.0091
IND5 -0.0520 * 0.0098 -0.0521 * 0.0102 -0.0521 * 0.0098
IND6 -0.0598 * 0.0102 -0.0599 * 0.0114 -0.0599 * 0.0102
IND7 -0.0256 ** 0.0114 -0.0254 ** 0.0073 -0.0254 ** 0.0114
IND8 -0.0393 * 0.0073 -0.0393 * 0.0107 -0.0393 * 0.0073
IND9 0.0009 0.0107 0.0010 0.0087 0.0009 0.0107
IND10 -0.0374 * 0.0087 -0.0373 * 0.0109 -0.0373 * 0.0087
IND11 -0.0361 * 0.0109 -0.0358 * 0.0149 -0.0358 * 0.0109
IND12 -0.0141 0.0149 -0.0140 0.0105 -0.0140 0.0149
OCC1 0.0148 0.0105 0.0147 0.0116 0.0147 0.0105
OCC2 0.0356 * 0.0116 0.0357 * 0.0156 0.0357 * 0.0116
OCC3 0.0391 ** 0.0156 0.0391 ** 0.0099 0.0392 ** 0.0156
OCC4 0.0348 * 0.0099 0.0348 * 0.0100 0.0349 * 0.0099
OCC5 0.0246 ** 0.0100 0.0246 ** 0.0187 0.0246 ** 0.0100
OCC6 -0.0033 0.0187 -0.0035 0.0219 -0.0035 0.0187
OCC7 -0.0273 0.0219 -0.0278 0.0093 -0.0274 0.0219
OCC8 0.0007 0.0093 0.0007 0.0180 0.0007 0.0093
OCC9 0.0112 0.0180 0.0113 0.0089 0.0113 0.0180
OCC10 0.0111 0.0089 0.0110 0.0103 0.0111 0.0089
OCC11 -0.0096 0.0103 -0.0097 0.0108 -0.0096 0.0103
OCC12 -0.0051 0.0108 -0.0049 0.0017 -0.0049 0.0108
FAMCHILD -0.0019 0.0017 -0.0019 0.0126 -0.0019 0.0017
EDUCG1 -0.2611 * 0.0126 -0.2611 * 0.0136 -0.2610 * 0.0126
EDUCG2 -0.2463 * 0.0136 -0.2466 * 0.0138 -0.2466 * 0.0136
EDUCG3 -0.2232 * 0.0138 -0.2232 * 0.0131 -0.2232 * 0.0138
EDUCG4 -0.2125 * 0.0131 -0.2124 * 0.0120 -0.2124 * 0.0131
EDUCG5 -0.1924 * 0.0120 -0.1923 * 0.0105 -0.1924 * 0.0120
EDUCG6 -0.1788 * 0.0105 -0.1787 * 0.0105 -0.1787 * 0.0105
EDUCG7 -0.1268 * 0.0105 -0.1268 * 0.0108 -0.1268 * 0.0105
EDUCG8 -0.0564 * 0.0108 -0.0565 *   -0.0565 * 0.0108
FEMALE 0.0137 ** 0.0058 0.0137 ** 0.0058 0.0137 ** 0.0058
FMAR -0.0028 * 0.0076 -0.0028 0.0076 -0.0028 0.0076
FWIDDIV 0.0415 * 0.0107 0.0414 * 0.0107 0.0414 * 0.0107
FSEP -0.0248 0.0187 -0.0252 0.0187 -0.0252 0.0187
MAR 0.0480 * 0.0058 0.0478 * 0.0058 0.0479 * 0.0058
WIDDIV -0.0268 * 0.0080 -0.0269 * 0.0080 -0.0269 * 0.0080
SEP -0.0186 0.0133 -0.0187 0.0133 -0.0186 0.0133
WHITE 0.0732 * 0.0186 0.0734 * 0.0186 0.0734 * 0.0186
BLACK 0.0150 0.0192 0.0151 0.0192 0.0152 0.0192
ASIAN 0.0056 0.0201 0.0057 0.0201 0.0056 0.0201
HEA1 0.1277 * 0.0149 0.1279 * 0.0149 0.1278 * 0.0149
HEA2 0.0957 * 0.0148 0.0958 * 0.0148 0.0957 * 0.0148
HEA3 0.0676 * 0.0149 0.0676 * 0.0149 0.0675 * 0.0149
HEA4 0.0204 0.0163 0.0203 0.0163 0.0202 0.0163
YEAR96 0.0265 * 0.0065 0.0271 * 0.0070 0.0269 * 0.0070
YEAR97 0.0171 * 0.0052 0.0187 * 0.0054 0.0183 * 0.0054
POPMIL 0.0064 0.0115 0.0093 0.0101 0.0050 0.0118
 
n 44905   44905   44905  
R2 0.2241   0.2242   0.2242  
F-value 93.02 *   89.82 *   88.60 *  
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