Determinants of health insurance enrollment and health expenditure in Ghana : An empirical analysis

Adjei-Mantey, Kwame; Horioka, Charles Yuji

Determinants of health insurance enrollment and health expenditure in Ghana : An empirical analysis

Adjei-Mantey, Kwame; Horioka, Charles Yuji

Institute of Social and Economic Research Discussion Papers, 2022, 1165, 1-28

アクセス数:127件（2026-07-18 09:27 集計）

固定URL: https://hdl.handle.net/11094/87623

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タイトル	Determinants of health insurance enrollment and health expenditure in Ghana : An empirical analysis
著者	著者名 Adjei-Mantey, Kwame
著者	NRID 1000090173632 1000090173632 著者名 Horioka, Charles Yuji
キーワード等	Ghana
	health expenditure
	health facilities
	health insurance
	medical insurance
	risk preferences
抄録	This paper analyzes the determinants of health insurance enrollment and health expenditure in Ghana using micro data from wave 7 of the Ghana Living Standards Survey (GLSS 7) with emphasis on the role of risk preferences and the availability of health facilities in one’s own community, neither of which has been emphasized in the previous literature on this topic. It is possible to analyze the determinants of health insurance enrollment in Ghana because its public health insurance system (the National Health Insurance Scheme or NHIS) is, in theory, mandatory, but is, in actual practice, voluntary, with only about 40% of the population enrolled in the scheme. Our empirical findings show that risk preferences have a significant impact on health insurance enrollment, with risk averse individuals being significantly more likely than other households to enroll in health insurance, as one would expect. Moreover, our findings also show that very poor households are significantly more likely to enroll in health insurance than other households, perhaps because they are exempt from paying premiums for health insurance. This finding suggests that NHIS is achieving its intended objective of increasing the poor’s access to health care. Finally, our findings also show that the availability of health facilities in one’s own community significantly decreases expenditures on health care, which underscores the importance of ensuring an equitable spatial distribution of health facilities throughout the country.
出版者	The Institute of Social and Economic Research, Osaka University
収録物名	Institute of Social and Economic Research Discussion Papers
巻(号)	1165
ページ	1-28
刊行年月	2022-02
言語	英語
ハンドルURL	https://hdl.handle.net/11094/87623
PISSN	0473453X
eISSN	24350982
関連情報 (references)	URI https://www.iser.osaka-u.ac.jp/static/resources/docs/dp/2022/DP1165.pdf
アクセス権	metadata only access
カテゴリ	ディスカッション／ワーキング・ペーパー DP/WP
カテゴリ	Institute of Social and Economic Research Discussion Papers

資源タイプ	テクニカルレポート
ローカル資源タイプ	ディスカッション／ワーキング・ペーパー
DCMI資源タイプ	text
DCTERMS.bibliographicCitation	Institute of Social and Economic Research Discussion Papers. 2022, 1165, p. 1-28
DC.title	Determinants of health insurance enrollment and health expenditure in Ghana : An empirical analysis
DC.creator	Adjei-Mantey, Kwame
DC.creator	Horioka, Charles Yuji
DC.publisher	The Institute of Social and Economic Research, Osaka University
DC.language' scheme='DCTERMS.RFC1766	英語
DC.type' scheme='DCTERMS.DCMIType	text
DCTERMS.issued' scheme='DCTERMS.W3CDTF	2022-02
DC.relation' scheme='DCTERMS.URI	https://www.iser.osaka-u.ac.jp/static/resources/docs/dp/2022/DP1165.pdf
DC.subject	Ghana
	health expenditure
	health facilities
	health insurance
	medical insurance
	risk preferences
DCTERMS.abstract	This paper analyzes the determinants of health insurance enrollment and health expenditure in Ghana using micro data from wave 7 of the Ghana Living Standards Survey (GLSS 7) with emphasis on the role of risk preferences and the availability of health facilities in one’s own community, neither of which has been emphasized in the previous literature on this topic. It is possible to analyze the determinants of health insurance enrollment in Ghana because its public health insurance system (the National Health Insurance Scheme or NHIS) is, in theory, mandatory, but is, in actual practice, voluntary, with only about 40% of the population enrolled in the scheme. Our empirical findings show that risk preferences have a significant impact on health insurance enrollment, with risk averse individuals being significantly more likely than other households to enroll in health insurance, as one would expect. Moreover, our findings also show that very poor households are significantly more likely to enroll in health insurance than other households, perhaps because they are exempt from paying premiums for health insurance. This finding suggests that NHIS is achieving its intended objective of increasing the poor’s access to health care. Finally, our findings also show that the availability of health facilities in one’s own community significantly decreases expenditures on health care, which underscores the importance of ensuring an equitable spatial distribution of health facilities throughout the country.
DC.format	87623
citation_title	Determinants of health insurance enrollment and health expenditure in Ghana : An empirical analysis
citation_author	Adjei-Mantey, Kwame
citation_author	Horioka, Charles Yuji
citation_publisher	The Institute of Social and Economic Research, Osaka University
citation_language	英語
citation_date	2022-02
citation_journal_title	Institute of Social and Economic Research Discussion Papers
citation_volume	1165
citation_firstpage	1
citation_lastpage	28
citation_public_url	https://hdl.handle.net/11094/87623
citation_abstract_html_url	https://www.iser.osaka-u.ac.jp/static/resources/docs/dp/2022/DP1165.pdf

Determinants of health insurance enrollment and health expenditure in Ghana : An empirical analysis

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