(1)

(2)

(3)

(4)

(5)

(6)

Income

Income

Income

Income

Income

Income

Coverage

1.092^***

0.042^***

1.012^***

(0.062)

(0.005)

(0.061)

Usage

0.798^***

0.026^***

0.748^***

(0.039)

(0.003)

(0.039)

FamilyNum

0.075^***

0.005^***

0.066^***

0.078^***

0.005^***

0.068^***

(0.014)

(0.001)

(0.014)

(0.014)

(0.001)

(0.014)

AnnualInc

0.662^***

0.021^***

0.622^***

0.646^***

0.021^***

0.607^***

(0.017)

(0.001)

(0.017)

(0.017)

(0.001)

(0.017)

RiskAver

−0.203^***

−0.024^***

−0.157^***

−0.203^***

−0.024^***

−0.156^***

(0.017)

(0.001)

(0.017)

(0.017)

(0.001)

(0.017)

Sex

0.183^***

−0.007^**

0.197^***

0.189^***

−0.007^**

0.203^***

(0.043)

(0.003)

(0.043)

(0.043)

(0.003)

(0.042)

Age

0.017^***

−0.001^***

0.020^***

0.017^***

−0.001^***

0.019^***

(0.002)

(0.000)

(0.002)

(0.002)

(0.000)

(0.002)

Edu

0.164^***

0.012^***

0.141^***

0.168^***

0.012^***

0.145^***

(0.014)

(0.001)

(0.014)

(0.014)

(0.001)

(0.014)

Marriage

0.603^***

−0.008

0.619^***

0.612^***

−0.008

0.628^***

(0.106)

(0.008)

(0.104)

(0.105)

(0.008)

(0.104)

Health

−0.174^***

−0.004^***

−0.166^***

−0.176^***

−0.005^***

−0.168^***

(0.020)

(0.002)

(0.020)

(0.020)

(0.002)

(0.019)

SocialSec

0.050^**

−0.036^***

0.119^***

0.053^**

−0.036^***

0.122^***

(0.024)

(0.002)

(0.024)

(0.024)

(0.002)

(0.024)

RiskRatio

1.912^***

1.899^***

(0.082)

(0.082)

_cons

−5.892^***

0.013

−5.917^***

−4.910^***

0.060^***

−5.024^***

(0.278)

(0.022)

(0.275)

(0.245)

(0.020)

(0.242)

N

22452.000

22452.000

22452.000

22452.000

22452.000

22452.000

r²

0.164

0.075

0.183

0.167

0.075

0.187

r²_a

0.163

0.075

0.183

0.167

0.075

0.186