| | Categories | Renewed (%) | Dropped (%) | COR (95% CI) | AOR (95% CI) |
| | Age categories | | 18-30 years | 125 (28.2) | 31 (33.3) | 1 | 1 | | 31-45 years | 254 (57.2) | 49 (52.7) | 1.29 (.781, 2.12) | 1.42 (.389, 5.08) | | 46 and above years | 65 (14.6) | 13 (14) | 1.24 (0.607, 2.53) | 1.33 (0.421, 4.20) |
| | Marital status | | Married | 385 (86.7) | 85 (91.4) | 0.62 (0.283, 1.33) | 0.93 (0.226, 3.83) | | Other | 59 (13.3) | 8 (8.6) | 1 | 1 |
| | Sex | | Male | 358 (80.6) | 81 (87.1) | 1 | 1 | | Female | 86 (19.4) | 12 (12.9) | 1.62 (0.846, 3.11) | 1.51 (0.558, 4.07) |
| | Educational status | | Nonformal | 171 (38.5) | 45 (48.4) | 1 | 1 | | Primary | 180 (40.6) | 33 (35.5) | 1.44 (0.874, 2.36) | 0.51 (0.220, 1.18) | | Secondary and above | 93 (20.9) | 15 (16.1) | 1.63 (0.863, 3.09) | 0.78 (0.296, 2.03) |
| | Occupational status | | Farmer | 301 (67.8) | 65 (69.9) | 1 | 1 | | Merchant | 67 (15.1) | 18 (19.4) | 0.81 (0.448, 1.44) | 0.51 (0.162, 1.62) | | Other | 76 (17.1) | 10 (10.7) | 1.64 (0.805, 3.35) | 1.97 (0.713, 5.46) |
| | Monthly income | | Less than 1000 birr | 98 (22.1) | 39 (41.9) | 1 | 1 | | 1000-2000 birr | 279 (62.8) | 38 (40.9) | 2.92 (1.77, 4.83) | 0.51 (0.136, 1.90) | | Above 2000 birr | 67 (15.1) | 16 (17.2) | 1.67 (0.862, 3.22) | 0.43 (0.08, 2.42) |
| | Time to access health facilities | | < 30 minutes | 57 (12.8) | 9 (9.7) | 1.38 (0.655, 2.89) | 1.9 0(0.642, 5.64) | | ≥ 30 minutes | 387 (87.2) | 84 (90.3) | 1 | 1 |
| | Length of enrollment | | <3 years | 182 (41.0) | 68 (73.1) | 1 | 1 | | ≥3 years | 262 (59.0) | 25 (26.9) | 3.88 (2.36, 6.37) | 3.12 (1.40, 6.97) |
| | Family size | | ≤ 5 | 310 (69.8) | 76 (81.7) | 1 | 1 | | > 5 | 134 (30.2) | 17 (18.3) | 1.93 (1.10, 3.40) | 1.95 (0.762, 5.99) |
| | Illness in last 3 months | | Yes | 250 (56.3) | 26 (28) | 3.32 (2.04, 5.42) | 2.97 (1.47, 5.99) | | No | 194 (43.7) | 67 (72) | 1 | 1 |
| | Overall knowledge | | Poor | 34 (7.7) | 65 (69.9) | 1 | 1 | | Good | 410 (92.3) | 28 (30.1) | 27.99 (15.92, 49.23) | 21.11 (10.63, 41.93) |
| | Perceived quality service | | Poor | 59 (13.3) | 45 (48.4) | 1 | 1 | | Medium | 79 (17.8) | 14 (15.0) | 4.04 (2.02, 8.10) | 2.67 (0.940, 7.59) | | Good | 306 (68.9) | 34 (36.6) | 10.38 (5.34, 20.16) | 4.21 (1.52, 11.68) |
| | Overall attitude | | Unfavourable | 69 (15.5) | 47 (50.5) | 1 | 1 | | Favourable | 375 (84.5) | 46 (49.5) | 5.55 (3.43, 8.98) | 3.89 (1.67, 9.04) |
| | CBHI premium | | Not affordable | 60 (13.5) | 41 (44.1) | 1 | 1 | | Affordable | 384 (86.5) | 52 (55.9) | 5.05 (3.09, 8.25) | 12.64 (3.25, 49.38) |
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