THE IMPACT OF STATE HEALTH INSURANCE SCHEME ON ACCESS AND UTILIZATION OF HEALTHCARE: AN EMPIRICAL EXAMINATION OF KANO STATE CONTRIBUTORY HEALTH INSURANCE SCHEME

Kamilu Yakubu Ishaq

Abstract


State leads health insurance schemes are becoming increasingly recognized as an instrument to finance and provide access and utilization of healthcare in Nigeria. Taking the example of Kano State contributory health insurance scheme this paper examines its impact on access and utilization of healthcare among the insured employees using two-part model and a binary logit model. Regarding the impact on the access to healthcare, although as of the time of conducting this research some employees were yet to register for the scheme even though their contribution is being deducted monthly, those that are enroll provides a spectacular insight on access and utilizations within the metropolis, that empirical evidences from the research suggest that level of education, physical health condition, family size, level of income of the respondent, marital status, distance to the hospital, type of health facility as well as severity of sickness are increasing function of healthcare utilization.  Although these socio economic and demographic variables are not easily influence by policy makers but they can be integrated alongside other health related variables and supply side intervention to poster access and utilization of healthcare not only among the insured but in the entire state because its expected when the participating facilities are upgraded there will be an improvement in public health. 


Keywords


Access and Utilizations, Two-part model, Binary logit model, and Contributory health insurance scheme

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