Table 3

 Adjusted odds ratios* (and 95% confidence intervals) for the relationship of smoking status and SES variables with health, life, and house/content, motor vehicle insurance

VariablesHealthLifeHouse/contentMotor vehicle
Source: 1998–1999 Household Expenditure Survey, Australia.
*Odds ratios pertain to odds of having spent any money on the particular expenditure item. All results control for family size.
†Odds ratios for equivalent income are greater than unity and significant (p<0.05) for all models except life insurance where the odds ratio is smaller than unity and non-significant (p = 0.08).
Smoking status
    Smoking household0.6 (0.5 to 0.7)0.8 (0.7 to 1.0)0.5 (0.4 to 0.6)0.8 (0.7 to 1.1)
    Non-smoking household1111
Equivalent income†1.0 (1.0 to 1.0)1.0 (1.0 to 1.0)1.0 (1.0 to 1.0)1.0 (1.0 to 1.0)
Education
    No qualification1111
    Diploma1.3 (1.1 to 1.4)1.2 (1.0 to 1.4)1.2 (1.0 to 1.5)1.4 (1.1 to 1.8)
    Degree1.3 (1.0 to 1.6)0.9 (0.7 to 1.1)1.0 (0.8 to 1.4)0.8 (0.6 to 1.1)
    Unknown1.1 (0.8 to 1.4)0.8 (0.4 to 1.6)
Occupation
    Blue collar1111
    White collar1.1 (0.9 to 1.4)1.1 (0.9 to 1.4)1.5 (0.6 to 1.4)0.9 (0.6 to 1.3)
    Professional1.5 (1.2 to 1.8)1.5 (1.2 to 1.8)1.2 (0.9 to 1.6)1.0 (0.7 to 1.3)
    Not applicable0.8 (0.6 to 0.9)0.5 (0.4 to 0.6)1.0 (0.8 to 1.3)1.0 (0.7 to 1.3)
Unemployment
    One or more unemployed1.6 (1.3 to 2.0)1.5 (1.1 to 2.0)2.0 (1.5 to 2.6)1.5 (1.0 to 2.3)
    No-one unemployed1111
Housing tenure
    Renter1111
    Purchaser2.2 (1.9 to 2.6)2.2 (1.8 to 2.7)39.0 (29.9 to 51.0)2.4 (1.7 to 3.4)
    Owner3.5 (3.0 to 4.0)2.0 (1.7 to 2.5)27.6 (22.3 to 34.1)3.3 (2.4 to 4.6)
    Other1.8 (1.2 to 2.6)1.8 (1.1 to 2.9)1.8 (1.2 to 2.6)1.7 (0.8 to 3.8)
Index of relative socioeconomic disadvantage
    First quintile (high disadvantaged)1111
    Second quintile1.3 (1.1 to 1.6)1.2 (1.0 to 1.5)1.4 (1.1 to 1.8)1.2 (0.8 to 1.7)
    Third quintile1.3 (1.1 to 1.5)1.0 (0.8 to 1.2)1.4 (1.1 to 1.8)1.1 (0.8 to 1.6)
    Fourth quintile1.4 (1.2 to 1.7)1.1 (0.9 to 1.4)1.3 (1.0 to 1.7)1.0 (0.7 to 1.4)
    Fifth quintile (low disadvantaged)1.5 (1.2 to 1.8)1.1 (0.9 to 1.4)1.3 (1.0 to 1.8)0.8 (0.5 to 1.1)
    Unknown0.8 (0.6 to 1.0)1.2 (0.8 to 1.6)1.4 (1.0 to 1.9)0.7 (0.4 to 1.2)