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Table 3 Multivariate analysis to identify the relationship between health insurance and maternal health care service utilization (n = 4278)

From: Association between health insurance enrolment and maternal health care service utilization among women in Ethiopia

Variables Categories Recommended ANC Skilled delivery PNC
   AOR;95% CI AOR;95% CI AOR;95% CI
Health insurance No Ref. Ref. Ref.
Yes 1.54(1.06–2.25)* 1.84(1.1–3.08)* 1.32(0.7–2.46)
Age 15–19 Ref. Ref. Ref.
20–24 1.31(0.77–2.21) 0.94(0.61–1.45) 1.33(0.59–3.03)
25–34 2.03(1.15–3.58)* 1.02(0.63–1.64) 0.97(0.39–2.4)
35–49 1.97(0.97–3.98) 0.74(0.41–1.32) 1.42(0.46–4.4)
Educational status No education Ref. Ref. Ref.
Primary 1.38(1.046–1.81)* 1.79(1.43–2.24)* 1.21(0.75–1.94)
Secondary 1.57(1.02–2.42)* 4.84(2.89–8.9)* 1.20(0.59–2.44)
Higher 2.1(1.27–3.42)* 6.82(3.18–14.6)* 1.32(0.53–3.26)
Marital status Never in union Ref. Ref. Ref.
Currently in union 0.42(0.17–1.00) 0.6(0.21–1.74) 0.75(0.23–2.47)
Formerly in union 0.43(0.17–1.09) 0.58(0.19–1.72) 0.82(0.24–2.86)
Residence Rural Ref. Ref. Ref.
Urban 0.96(0.61–1.5) 4.74(2.62–8.57)* 0.95(0.5–1.79)
Wealth index Poorest Ref. Ref. Ref.
Poorer 1.15(0.72–1.84) 1.82(1.22–2.73)* 1.35(0.69–2.61)
Middle 1.34(0.84–2.11) 2.03(1.39–2.96)* 2.18(1.13–4.19)*
Richer 1.87(1.18–2.97)* 2.17(1.45–3.25)* 2.42(1.31–4.44)*
Richest 3.02(1.79–5.10)* 3.71(2.17–6.35)* 2.19(1.07–4.45)*
Occupation Not Working Ref. Ref. Ref.
Working 0.91(0.72–1.16) 1.03(0.82–1.30) 1.43(1.03–1.98)*
Media access No Ref. Ref. Ref.
Yes 1.45(1.08–1.95)* 1.05(0.81–1.35) 1.67(1.05–2.64)*
Distance to a health facility Big problem Ref. Ref. Ref.
Not a big problem 1.2(0.91–1.56) 1.26(0.97–1.63) 1.6(1.08–2.36)*
  No more Ref. Ref. Ref.
Pregnancy intension Then 1.25(0.79–1.97) 0.8(0.53–1.21) 1.67(0.83–3.37)
Later 1.03(0.63–1.68) 0.62(0.37–1.05) 2.33(1.06–5.14)*
Parity One Ref. Ref. Ref.
2–4 0.75(0.52–1.06) 0.49(0.35–0.67)* 1.48(0.85–2.57)
> = 5 0.59(0.38–0.92)* 0.36(0.25–0.52)* 0.91(0.44–1.89)
  1. *: shows a statistically significant association where p < 0.05; Ref.; Reference; Goodness of fit for ANC (Cox and Snell: 0.75; Nagelkerke: 0.81; McFadden: 0.78), Goodness of fit for Skilled delivery (Cox and Snell: 0.64; Nagelkerke: 0.85; McFadden; 0.83), Goodness of fit for Postnatal care (Cox and Snell: 0.78; Nagelkerke: 0.83; McFadden; 0.81)