Effects of National Health Insurance Status on Intensity of Formal Healthcare Utilization and Out of Pocket Expenditure in Ghana
This study sought to examine the effects of national health insurance status on intensity of formal healthcare utilization and out of pocket health expenditure in Ghana. Secondary data was used and in all 504 individuals who have suffered illness three months preceding the data collection were used for this study. Negative binomial model and ordinary least squares (OLS) were used to estimate the effect of NHIS status on intensity of formal healthcare utilization and out-of-pocket expenditure in Ghana respectively. The results show that NHIS members are more likely to visit formal healthcare facilities frequently and less likely to pay high out-of-pocket-expenditure as compared to non-members. Also, with regards to effect of national health insurance membership on out-of-pocket expenditure in public healthcare facilities and private healthcare facilities, it was found that national health insurance membership has negative effect on out-of-pocket expenditure in public healthcare facilities but has no significant effect on out of pocket expenditure in private healthcare facilities.
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