hie plan number
coinsurance -- medical
took baseline physical
study year
person id, leading digit is sit
income based on annual income r
age that year
education of decision maker
time eligible during the year
outpatient exp. excl. ment and
drugs purchased, outpatient
supplies purchased, outpatient
psychotherapy exp., outpatient
inpatient exp., facilities & md
medical exp excl outpatient men
number of hosp. admissions
missing any inpatient charges
number psychotherapy visits
number face-to-fact md visits
number face-to-face, not-md vis
family size
mental health index  -- baselin
count of chronic diseases -- ba
physical limitations -- baselin
general health index -- baselin
maximum expenditure offer
participation incentive
female child
log of family size
log participation incentive
individual deductible plan
log(coinsurance+1)
function of mdeoff
good health
fair health
poor health
ghi with imputation