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Modelling changes in the determinants of PHI utilisation in Western Australia across five health care policy eras

Rachael Elizabeth Moorin1, Cashel D'Arcy James Holman

  • 1Australian Centre for Economic Research on Health (ACERH), School of Population Health, The University of Western Australia, 35 Stirling Highway, Crawley, WA 6009, Australia. rachael.moorin@uwa.edu.au

Health Policy (Amsterdam, Netherlands)
|July 13, 2006
PubMed

Insights

Private health insurance (PHI) use for hospitalisation in Western Australia declined until 1998, then rose sharply. Demographic factors influencing PHI use also shifted, indicating policy impacts on user profiles.

Area of Science:

  • Health economics
  • Public health policy
  • Health services research

Background:

  • Analysis of private health insurance (PHI) utilization in Western Australia (WA) across distinct health policy eras.
  • Examining demographic determinants of PHI use for inpatient hospitalizations between 1981 and 2001.

Observation:

  • PHI use declined significantly from 1981 to 1997, with odds falling below public patient utilization.
  • A substantial increase in PHI use was observed from 1999 onwards.
  • Age-related PHI use decreased exponentially, except for the oldest age group (70+).

Findings:

  • Overall PHI utilization decreased until 1998, then increased sharply post-1999.
  • Significant shifts in PHI use determinants were noted across policy eras.
  • Post-1997, average and disadvantaged individuals showed increased PHI use probability compared to advantaged groups.
  • Older individuals (70+) demonstrated increased PHI use probability across eras.

Implications:

  • Health policy changes since 1999 have altered the age and socioeconomic profile of individuals utilizing PHI.
  • Understanding these shifts is crucial for future health policy development and resource allocation.
  • The study highlights the dynamic relationship between policy interventions and private health insurance uptake.
Abstract

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