The name is absent

Table 4a: Characteristic of index individuals for Joined 2000
Because of LH, Joined After 2000 and Left After 2000 and
probabilities of each PHI choice

Variable	LHC index individual	Joined After index individual______________	Left After index individual____________
Age	40 years old	29 years old	35 years old
Sex	Male	Male	Female
Region	Major city	Major city	Major city
Relationship	Partner	Partner	Partner
Disability	No disability	No disability	No disability
Language	English only	English only	English only
Occupation	Professional	Professional	Service worker
Qualifications	Tertiary	Diploma	Diploma
Country of birth	Australia	Australia	Australia
Individual wages	$100,000	$60,000	$50,000
Partner’s wage	Partner's wages $0	Partner's wages $60,000	Partner’s wages $70,000
Individual benefit	$0	$0	$0
Individual financial assets	No financial assets	No financial assets	Positive financial assets $0-$10,000
Partner’s financial assets	No financial assets	No financial assets	$0
Change in household	$20,000 increase in	$25,000 increase in	$40,000 decrease in
wages 2001 to 2002	household wages	household wages	household wages
Change in household	No change in household	No change in household	$10,000 increase in
benefits 2001 to 2002	benefits	benefits	household benefits
Change in household	$50,000 increase in	$40,000 increase in	No change in
financial assets 2001 to	household financial	household financial	household financial
2002	assets	assets	assets
Married previous 12 mths	Not recently married	Not recently married	Not recently married
Family illness or injury previous 12 mths	Recent family illness	Recent family illness	Recent family illness
Lost a job Previous 12 mths	Has not lost a job	Lost a job	Lost a job
Financially worse	Not financially worse the	Not financially worse the	Financially worse the
previous 12 mths	last 12 mths	last 12 months	last 12 mths
No of resident children	1 child	No children	3 children
Age of youngest resident child	Youngest child 5-14 yrs		Youngest child < 5 yrs
Regular smoker	Non-smoker	Non-smoker	Smoker
Financial risk behaviour	Takes average financial risks	Takes average financial risks	Takes no financial risk
Self-assessed	Considers self very	Considers self very	Considers self poor
prosperity	prosperous	prosperous
Exercise	Exercises 3 times weekly	Exercises less than weekly	Exercises less than weekly
Probabilities of each private health insurance choice alternative estimated from multinomial probit
Joined Prior	0.555	0.443	0.252
Joined because of LHC	0.380	0.081	0.012
Joined After	0.039	0.409	0.004
Left After	0.008	0.033	0.459
Left Prior	0.007	0.020	0.247
Never	__________0.010_________	__________0.015_________	_________0.012________

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