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95-percent coinsurance 95-percent plan adults AFDC AFDCSEA AGESQ Ambulatory ANNUAL MEDICAL EXPENDITURE average baseline interview children aged 0-13 children whose families children's health 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 Equations estimate EXAMFIT expendi EXPENDITURE PER CHILD face cost sharing family income Fitchburg Franklin County free care plan fully covering preventive Health Care Expenditure Health Insurance Experiment Health Services HIE data HIE plans hospital Hyattsville income-related individual deductible plan INMDVIS inpatient insurance plans Interim Results LFAM LINC Medicaid medical services natural logarithm NEWMEM NOMDVIS number of episodes number of visits office visit rate otherwise out-of-pocket OUTPATIENT EPISODES outpatient expenditures pediatric Rand Corporation S.E. t-statistic CONSTANT sample Services by Children shar significantly South Carolina Standard errors Statistics Term Coeff U.S. Department visits to pediatricians Willard G