Subject ID
=1 if data is from MEPS 2003
Age
Size of the family
Years of education
Total medical expenditure
=1 if private supplementary insurance
=1 if retired
=1  if female
=1  if white
=1  if Hispanic
=1 if married
=1  if northeast area
=1  if Midwest area
=1  if south area (West is excluded)
=1 if has functional limitation
=1 if has activity limitation
=1  if metropolitan statistical area
annual household income/1000
=1  if condition is caused by an accident/injury
=1  if has medical conditions that are on the priority list
# of chronic problems
=1 if other managed care (Privately insured sample)
=1 if private insurance is HMO (Privately insured sample)
=1 if total expenditure > 0
=1 if has supp priv insurance
=1 if health status is excellent, good or very good
=1 if health status is fair or poor
ln(totexp) if totexp > 0
Excellent health indicator
Demographic group indicator