Open Access Open Access  Restricted Access Subscription Access

Effects of National Health Insurance Status on Intensity of Formal Healthcare Utilization and Out of Pocket Expenditure in Ghana

Kofi Osei Adu


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.


National Health Insurance, Intensity of formal healthcare utilization and out of pocket expenditure

Full Text:


Disclaimer/Regarding indexing issue:

We have provided the online access of all issues and papers to the indexing agencies (as given on journal web site). It’s depend on indexing agencies when, how and what manner they can index or not. Hence, we like to inform that on the basis of earlier indexing, we can’t predict the today or future indexing policy of third party (i.e. indexing agencies) as they have right to discontinue any journal at any time without prior information to the journal. So, please neither sends any question nor expects any answer from us on the behalf of third party i.e. indexing agencies.Hence, we will not issue any certificate or letter for indexing issue. Our role is just to provide the online access to them. So we do properly this and one can visit indexing agencies website to get the authentic information. Also: DOI is paid service which provided by a third party. We never mentioned that we go for this for our any journal. However, journal have no objection if author go directly for this paid DOI service.