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95 percent 95-percent coinsurance 95-percent plan adults AFDC AFDCSEA AGESQ ambulatory ANNUAL MEDICAL EXPENDITURE Appendix baseline interview calculated children aged 0-13 children whose families children's health cians coinsurance rate Consumer Price Index copayment cost per episode cost sharing affected cost sharing rose cost-sharing plans coverage for preventive covering preventive services Dayton ditures enrolled episodes of treatment Equation estimate EXAMFIT expendi EXPENDITURE PER CHILD face cost sharing family income Fitchburg Franklin County free care plan fully covering preventive Health Insurance Experiment HIE data HIE plans hospital income-related individual deductible plan INMDVIS insurance plans internists LFAM Medicaid medical bills medical services natural logarithm NEWMEM NOMDVIS number of episodes number of visits office visit rate otherwise out-of-pocket OUTPATIENT EPISODES outpatient expenditures pediatric PLAN INTERACTIONS preventive visit RANDOMIZED CONTROLLED TRIAL S.E. t-statistic CONSTANT sample Seattle shar significantly South Carolina Standard errors Term Coeff Tertile treatment episodes visits to pediatricians