Continuation of Research on Consumer Directed Health Plans: HSA Simulation Model Refinement . Appendix A1: Plan Choice Regression Model (SAS Program Code)

01/21/2007

LINR_PRED= 

(TAXADJPREM          * -3.1796    ) + /* Premium in (thousands)                      */
(SCLB * 2.39046    ) + /* Account contribution (thousands)            */
(SCUB * -1.62512   ) + /* Deductible – account (thousands)            */
(COINS              * -16.2333   ) + /* Coinsurance (0-1               */
(PPO_M_INT          * 0.943117   ) + /* PPO Medium intercept            */
(PPO_H_INT          * 1.31469    ) + /* PPO High intercept                 */
(HRA_INT              * -1.76626  ) + /* HRA Intercept                            */
(HSA_S_INT          * -2.80932   ) + /* HSA Employer Provided Intercept            */
(HSA_E_INT          * -2.80932   ) + /* HSA opt-out/ Individual Intercept            */
(HMO_INT            * 2.44818    ) + /* HMO Intercept            */
((faMPRMI         * 1.83379    ) + /* Family Contract (0,1) * Premium            */
((PPO_M_INT*sAGE   * -1.56416   ) + /* PPO MediuM Age (in hundreds)             */
((PPO_H_INT*sAGE -1.75401   ) + /* PPO High   * Age (in hundreds            */
((HRA_INT  *sAGE  * -2.34963   ) + /* HRA * Age (in hundreds)             */
((HSA_S_INT*sAGE  * -1.99124   ) + /* HSA EmployeRAge (in hundreds)             */
((HSA_E_INT*sAGE  * -1.99124   ) + /* HSA Individual * Age (hundreds                    */
((HMO_INT  *sAGE  * -4.20002   ) + /* HMO * Age (in hundreds)             */
((PPO_M_INT*INC  * -0.00473388 ) + /* PPO MediuM Income (thousands)                    */
((PPO_H_INT*INC  * -0.00452832 ) + /* PPO High   * Income (thousands)                    */
((HRA_INT  *INC  * 0.00567068 ) + /* HRA * Income (thousands)                           */
((HSA_S_INT*INC  * 0.00480442 ) + /* HSA EmployeRIncome (thousands)                  */
((HSA_E_INT*INC * 0.00480442 ) + /* HSA Individual* Income(thousands)                  */
((HMO_INT  *INC  * -0.00860868 ) + /* HMO * Income (thousands)                           */
((PPO_M_INT*FEM  * 0.419878 ) + /* PPO MediuM Female                                */
((PPO_H_INT*FEM * 0.332876   ) + /* PPO High   * Female                                */
((HRA_INT  *FEM  0.108911 ) + /* HRA * Female                                       */
((HSA_S_INT*FEM  * 0.267474 ) + /* HSA EmployeRFemale                              */
((HSA_E_INT*FEM  * 0.267474 ) + /* HSA Individual* Female                             */
((HMO_INT*  FEM  * 0.0396604 ) + /* HMO * Female                                       */
((PPO_M_INT*FAM  * -0.423343 ) + /* PPO MediuM Family (0,1)                          */
((PPO_H_INT*FAM  * -0.200933 ) + /* PPO High   * Family                                */
((HRA_INT  *FAM  * 0.0239377  ) + /* HRA * Family                                       */
((HSA_S_INT*FAM  * 1.11915    ) + /* HSA EmployeRFamily                              */
((HSA_E_INT*FAM  * 1.11915  ) + /* HSA Individual* Family                             */
((HMO_INT  *FAM  * -0.99562   ) + /* HMO * Family                                       */
((PPO_M_INT*CHR * 0.275686  ) + /* PPO MediuM Chronic (0,1)                         */
((PPO_H_INT*CHR * 1.18185    ) + /* PPO High   * Chronic (0,1)                         */
((HRA_INT  *CHR * 0.771403   ) + /* HRA * Chronic (0,1)                                */
((HSA_S_INT*CHR 0.680646 ) + /* HSA EmployeRChronic (0,1)                       */
((HSA_E_INT*CHR * 0.680646  ) + /* HSA Individual* Chronic (0,1)                      */
((HMO_INT  *CHR * 0.516199   ) + /* HMO * Chronic (0,1)                                */
((TAXADJPREMCHR * -0.332006  ) + /* PremiuM Chronic (0,1)                                                */
((SCLB      *CHR -0.275012 ) + /* Account * Chronic                                  */
((SCUB      *CHR * -0.381562  ) + /* Deductible_Account Gap *Chronic                    */
((COINS     *CHR * -2.06644 ) + /* CoinsurancE Chronic                              */
((SCLB      *FAM    * -1.93489 ) + /* Account * Family                                   */
((SCUB      *FAM     0.675129 ) + /* Deductible_Account Gap * Family               */
  • Pchoice = Plan Choice (in text);
  • Wagepinc = Wages from MEPS Data;
if PCHOICE='UNINS' then do;
if wagepinc<=15050 then do; linr_pred=-9.70 ; INC_QUAT='1 - <50th' end;
if 15050<wagepinc<=25078 then do; linr_pred=-10.3 ; INC_QUAT='3 - 50-75th' ; end;
if wagepinc>25078 then do; linr_pred=-11.35 ; INC_QUAT='4 - >75th  ' ; end;
   end;          

 

if PCHOICE='TURND' then do;
if wagepinc<=9378 then do; linr_pred=-4.7 ; INC_QUAT='1 - <25th' end;
if 9378<wagepinc<=24500 then do; linr_pred=-4.9 ; INC_QUAT='2 - 25-50th' ; end;
if 24500<wagepinc<=41288  then do; linr_pred=-5.5 ; INC_QUAT='3 - 50-75th' ; end;
if wagepinc>41288   then do; linr_pred=-5.95 ; INC_QUAT='4 - >75th ; end;
   end;          

         exppred=exp(LINR_PRED);

run;

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