Demand for Self-Employed Health Insurance

Area of Science:

• Health Economics
• Public Health Policy

Background:

• Health insurance is vital for managing healthcare costs.
• Voluntary health insurance, including self-employed and supplementary types, plays a key role.
• Identifying demand drivers is essential for policy development.

Purpose of the Study:

• To determine the primary factors influencing the demand for self-employed health insurance in Iran.
• To inform strategies for promoting voluntary health insurance uptake.

Main Methods:

• Cross-sectional study utilizing data from the 2013 Household Income and Expenditure Survey in Iran.
• Logistic regression model applied to identify significant influencing factors.

Main Results:

• Household head's age, income, and education level showed a direct correlation with self-employed health insurance demand.
• No significant association was found between insurance demand and gender or marital status.
• Occupation and house ownership did not significantly impact insurance demand in rural households.

Conclusions:

• Key demographic and economic factors influence self-employed health insurance demand.
• Understanding these drivers can help enhance voluntary health insurance coverage.
• Targeted interventions based on income, age, and education may boost insurance uptake.