Asenso-Okyere W K, Osei-Akoto I, Anum A, Appiah E N
University of Ghana, Legon.
Health Policy. 1997 Dec;42(3):223-37. doi: 10.1016/s0168-8510(97)00069-9.
In the midst of high cost of health care both at the macro and micro levels, health insurance becomes a viable alternative for financing health care in Ghana. It is also a way of mobilising private funds for improving health care delivery at the macro level. This study uses a contingent valuation method to assess the willingness of households in the informal sector of Ghana to join and pay premiums for a proposed National Health Insurance scheme. Focus group discussions, in-depth and structured interviews were used to collect data for the study. There was a high degree of acceptance of health insurance in all the communities surveyed. Over 90% of the respondents agreed to participate in the scheme and up to 63.6% of the respondents were willing to pay a premium of 5000 cents or $3.03 a month for a household of five persons. Using an ordered probit model, the level of premiums households were willing to pay were found to be influenced by dependency ratio, income or whether a household has difficulty in paying for health care or not, sex, health care expenditures and education. As income increases, or the proportion of unemployed household members drop, people are willing to pay higher premiums for health insurance.
在宏观和微观层面医疗保健成本高昂的情况下，医疗保险成为加纳医疗保健融资的可行选择。这也是在宏观层面筹集私人资金以改善医疗保健服务的一种方式。本研究采用条件估值法来评估加纳非正规部门家庭加入拟议的国家医疗保险计划并支付保费的意愿。通过焦点小组讨论、深入访谈和结构化访谈来收集研究数据。在所有接受调查的社区中，人们对医疗保险的接受程度很高。超过90%的受访者同意参与该计划，高达63.6%的受访者愿意为一个五口之家每月支付5000分或3.03美元的保费。使用有序概率模型发现，家庭愿意支付的保费水平受到抚养比、收入、家庭支付医疗保健费用是否困难、性别、医疗保健支出和教育程度的影响。随着收入增加，或失业家庭成员比例下降，人们愿意为医疗保险支付更高的保费。
