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Predicting Health Insurance Policy Subscription Intention: An Empirical Study.

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Understanding health insurance subscription in Ghana requires examining individual behavior. Factors like attitude, norms, and perceived control significantly influence decisions, highlighting the need for behavior-focused health policies.

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Area of Science:

  • Health Economics
  • Behavioral Science
  • Public Health Policy

Background:

  • Health insurance is crucial for reducing healthcare access barriers.
  • Population-wide health insurance subscription in Ghana remains low.
  • Understanding determinants of subscription is vital for policy improvement.

Purpose of the Study:

  • To investigate the individual factors influencing health insurance subscription in Ghana.
  • To apply the Theory of Planned Behavior (TPB) to understand subscription underpinnings.
  • To identify behavioral elements critical for enhancing health insurance uptake.

Main Methods:

  • A questionnaire survey was administered to 312 participants.
  • Structural Equation Modeling (SEM) was used for data analysis.
  • The Theory of Planned Behavior (TPB) framework guided the investigation.

Main Results:

  • Attitude, subjective norm, and perceived behavior control positively correlated with health insurance subscription.
  • Personal norm and descriptive norm significantly influenced subscription intention.
  • Subscription is driven by a combination of behavioral factors, not a single element.

Conclusions:

  • The Theory of Planned Behavior effectively predicts health insurance subscription.
  • Behavioral constituents are imperative for designing and implementing effective health policies.
  • Findings offer insights for augmenting subscription rates and inform future research directions.