Tobit

Urban families

Rural families

High-income families

Low-income families

(1)

(2)

(3)

(4)

(5)

eldinsurance

0.109***

0.047

0.140***

0.086***

0.099*

(0.027)

(0.035)

(0.039)

(0.028)

(0.051)

gender

−0.015

0.015

−0.033

−0.011

−0.019

(0.016)

(0.020)

(0.024)

(0.016)

(0.033)

age

−0.003***

−0.004***

−0.001

−0.002***

−0.003**

(0.001)

(0.001)

(0.001)

(0.001)

(0.001)

edu

0.009***

0.011***

0.006**

0.005***

0.013***

(0.002)

(0.003)

(0.003)

(0.002)

(0.004)

rural

−0.048**

−0.049**

0.018

−0.048**

−0.074

(0.021)

(0.023)

(0.046)

(0.019)

(0.048)

marriage

−0.012

0.007

−0.000

0.011

−0.030

(0.025)

(0.031)

(0.038)

(0.028)

(0.045)

population

0.004

0.003

0.007

−0.004

0.020*

(0.005)

(0.007)

(0.007)

(0.005)

(0.011)

health

0.009

0.000

0.009

−0.002

0.026**

(0.006)

(0.009)

(0.009)

(0.006)

(0.012)

lnincome

−0.113***

−0.185***

−0.064

−0.194

0.011

(0.038)

(0.058)

(0.051)

(0.238)

(0.074)

lnincome2

0.006***

0.010***

0.003

0.011

−0.002