“…Following the previous literature (Van Doorslaer et al, 2007;Mugisha et al, 2007;Barros and Bertoldi, 2008;Erus and Aktakke, 2012;Brown et al, 2014) the regressions control for various individual and household characteristics, including gender, age, education level, household income, marital and job status, occupation industry code, rural versus urban area, years of working, years of leaving in the current residence, difficulties in access to transportation points and health centers and year. These controls are useful, since education, job status, years of work and household income may cause the decision and the type of health insurance.…”