Table 3

 Logistic regression model of non-zero total health care costs in 2000 (part 1 of two part model)

n = 418*Log-likelihood −99.05†Pseudo r2 of the model = 0.43‡
Independent variableCoeff (95% CI)p Value
*Number<466 because of missing values. †Uncritical Hosmer-Lemeshow goodness of fit test (p = 0.54). ‡Predictions correct in 89%. §Term representing effect modification. ¶Compared with lawful minimum of CHF 230. **Per increase by 1 on a 5 point Likert scale.
Fee for service plan membership−3.43 (−5.76 to −1.12)0.004
Fee for service plan membership divided by age (women)§138.51 (35.37 to 241.65)0.008
Fee for service plan membership divided by age(men)§143.83 (41.24 to 246.42)0.006
Age (women)0.01 (−0.08 to 0.11)0.762
Age2 (women)−0.001 (−0.002 to −0.000)0.020
Age (men)−0.06 (−0.12 to −0.01)0.021
1996 outpatient costs (log scale)0.31 (0.18 to 0.43)<0.001
ICED score in 19960.67 (0.12 to 1.22)0.017
ICED score increase between 1996 and 20000.73 (0.14 to 1.31)0.016
SF-36 General Health Scale score−0.03 (−0.06 to −0.01)0.018
Fixed beneficiary co-payment¶
    Sw fr400−0.85 (−1.76 to 0.060.067
    Sw fr600−0.92 (−2.23 to 0.39)0.171
    ⩾Sw fr1200−1.92 (−3.04 to −0.79)0.001
Importance assigned to low insurance premiums**0.41 (0.07 to 0.75)0.019
Self reported low aversion of consulting a doctor**−0.43 (−0.81 to −0.06)0.024
Being retired1.75 (0.35 to 3.14)0.014
Constant5.42 (1.96 to 8.89)0.002