| Value | Category | 
|---|---|
| 1 | Premium too high | 
| 2 | Don't have confidence in operators of schemes | 
| 3 | Covered by other alternatives | 
| 4 | No knowledge of any scheme | 
| 5 | Dont know where to register | 
| 6 | Registration officer too far | 
| 7 | Do not need health \insurance | 
| 8 | HI do not cover the services I need | 
| 9 | HI does not cover the facilities I use | 
| 10 | No money | 
| 96 | other | 
| Sysmiss |