Table 4 Effect of previous year’s healthcare utilization on NHIS renewal

Healthcare Utilization

Utilized Healthcare in Previous Year

1.66***

2.62***

1.83***

1.91***

2.08***

Sex

Male

0.99

0.92***

0.95***

0.92***

0.92***

Age Group

Age1–17 Years

0.99

0.89***

0.86***

1.11***

1.18***

Age 18–39

0.53***

0.26***

0.34***

0.56***

0.43***

Age 40–59

0.69***

0.44***

0.59***

0.98

0.77***

Age 60+

0.19***

0.55***

0.73***

1.28***

0.85***

Enrolment Categories

Children under 18 Years

0.53***

0.47***

0.70***

0.99

0.74***

70 Years & Above

5.11***

1.28***

1.24***

1.29***

1.56***

SSNIT Contributor

1.24***

1.59***

1.59***

1.65***

1.73***

SSNIT Pensioner

5.43***

1.67***

2.25***

2.22***

2.80***

Indigent

0.67***

0.27***

0.44***

0.62***

0.94***

Pregnant Woman

1.68***

1.88***

1.68***

1.44***

1.32***

LEAP

0.34**

1.65**

1.02

1.33*

1.15

Region

Greater Accra

1.32***

0.87***

1.09***

0.83***

0.62***

Constant

0.37***

1.67***

1.54***

1.09***

1.39***

Number of observations

834487

997544

1298711

1644807

1965649