Model II was selected to explain the factors that affected their choice of health insurance plans based on the LR test (Table 3). Factors that were found to significantly affect their choices were marriage, current VPHI subscription and educational level. The odds for those married to choose VCHI (Scenario C) rather than the total out-of-pocket (Scenario A) are 2.95 times greater than those who are not married, adjusting for the current VPHI subscription and educational level