Why did informal sector workers stop paying for health insurance in Indonesia? Exploring enrollees' ability and willingness to pay.

Indonesia faces a growing informal sector in the wake of implementing a national social health insurance system-Jaminan Kesehatan Nasional (JKN)-that supersedes the vertical programmes historically tied to informal employment. Sustainably financing coverage for informal workers requires incentivisin...

Descripción completa

Guardado en:

Detalles Bibliográficos
Autores principales:	Muttaqien Muttaqien, Hermawati Setiyaningsih, Vini Aristianti, Harry Laurence Selby Coleman, Muhammad Syamsu Hidayat, Erzan Dhanalvin, Dedy Revelino Siregar, Ali Ghufron Mukti, Maarten Olivier Kok
Formato:	article
Lenguaje:	EN
Publicado:	Public Library of Science (PLoS) 2021
Materias:	Medicine R Science Q
Acceso en línea:	https://doaj.org/article/a44e90e23f4e44b3ad3b6dd5d9c5a9d4
Etiquetas:	Agregar Etiqueta Sin Etiquetas, Sea el primero en etiquetar este registro!

id	oai:doaj.org-article:a44e90e23f4e44b3ad3b6dd5d9c5a9d4
record_format	dspace
spelling	oai:doaj.org-article:a44e90e23f4e44b3ad3b6dd5d9c5a9d42021-12-02T20:07:15ZWhy did informal sector workers stop paying for health insurance in Indonesia? Exploring enrollees' ability and willingness to pay.1932-620310.1371/journal.pone.0252708https://doaj.org/article/a44e90e23f4e44b3ad3b6dd5d9c5a9d42021-01-01T00:00:00Zhttps://doi.org/10.1371/journal.pone.0252708https://doaj.org/toc/1932-6203Indonesia faces a growing informal sector in the wake of implementing a national social health insurance system-Jaminan Kesehatan Nasional (JKN)-that supersedes the vertical programmes historically tied to informal employment. Sustainably financing coverage for informal workers requires incentivising enrolment for those never insured and recovering enrolment among those who once paid but no longer do so. This study aims to assess the ability- and willingness-to-pay of informal sector workers who have stopped paying the JKN premium for at least six months, across districts of different fiscal capacity, and explore which factors shaped their willingness and ability to pay using qualitative interviews. Surveys were conducted for 1,709 respondents in 2016, and found that informal workers' average ability and willingness to pay fell below the national health insurance scheme's premium amount, even as many currently spend more than this on healthcare costs. There were large groups for whom the costs of the premium were prohibitive (38%) or, alternatively, they were both technically willing and able to pay (25%). As all individuals in the sample had once paid for insurance, their main reasons for lapsing were based on the uncertain income of informal workers and their changing needs. The study recommends a combination of strategies of targeting of subsidies, progressive premium setting, facilitating payment collection, incentivising insurance package upgrades and socialising the benefits of health insurance in informal worker communities.Muttaqien MuttaqienHermawati SetiyaningsihVini AristiantiHarry Laurence Selby ColemanMuhammad Syamsu HidayatErzan DhanalvinDedy Revelino SiregarAli Ghufron MuktiMaarten Olivier KokPublic Library of Science (PLoS)articleMedicineRScienceQENPLoS ONE, Vol 16, Iss 6, p e0252708 (2021)
institution	DOAJ
collection	DOAJ
language	EN
topic	Medicine R Science Q
spellingShingle	Medicine R Science Q Muttaqien Muttaqien Hermawati Setiyaningsih Vini Aristianti Harry Laurence Selby Coleman Muhammad Syamsu Hidayat Erzan Dhanalvin Dedy Revelino Siregar Ali Ghufron Mukti Maarten Olivier Kok Why did informal sector workers stop paying for health insurance in Indonesia? Exploring enrollees' ability and willingness to pay.
description	Indonesia faces a growing informal sector in the wake of implementing a national social health insurance system-Jaminan Kesehatan Nasional (JKN)-that supersedes the vertical programmes historically tied to informal employment. Sustainably financing coverage for informal workers requires incentivising enrolment for those never insured and recovering enrolment among those who once paid but no longer do so. This study aims to assess the ability- and willingness-to-pay of informal sector workers who have stopped paying the JKN premium for at least six months, across districts of different fiscal capacity, and explore which factors shaped their willingness and ability to pay using qualitative interviews. Surveys were conducted for 1,709 respondents in 2016, and found that informal workers' average ability and willingness to pay fell below the national health insurance scheme's premium amount, even as many currently spend more than this on healthcare costs. There were large groups for whom the costs of the premium were prohibitive (38%) or, alternatively, they were both technically willing and able to pay (25%). As all individuals in the sample had once paid for insurance, their main reasons for lapsing were based on the uncertain income of informal workers and their changing needs. The study recommends a combination of strategies of targeting of subsidies, progressive premium setting, facilitating payment collection, incentivising insurance package upgrades and socialising the benefits of health insurance in informal worker communities.
format	article
author	Muttaqien Muttaqien Hermawati Setiyaningsih Vini Aristianti Harry Laurence Selby Coleman Muhammad Syamsu Hidayat Erzan Dhanalvin Dedy Revelino Siregar Ali Ghufron Mukti Maarten Olivier Kok
author_facet	Muttaqien Muttaqien Hermawati Setiyaningsih Vini Aristianti Harry Laurence Selby Coleman Muhammad Syamsu Hidayat Erzan Dhanalvin Dedy Revelino Siregar Ali Ghufron Mukti Maarten Olivier Kok
author_sort	Muttaqien Muttaqien
title	Why did informal sector workers stop paying for health insurance in Indonesia? Exploring enrollees' ability and willingness to pay.
title_short	Why did informal sector workers stop paying for health insurance in Indonesia? Exploring enrollees' ability and willingness to pay.
title_full	Why did informal sector workers stop paying for health insurance in Indonesia? Exploring enrollees' ability and willingness to pay.
title_fullStr	Why did informal sector workers stop paying for health insurance in Indonesia? Exploring enrollees' ability and willingness to pay.
title_full_unstemmed	Why did informal sector workers stop paying for health insurance in Indonesia? Exploring enrollees' ability and willingness to pay.
title_sort	why did informal sector workers stop paying for health insurance in indonesia? exploring enrollees' ability and willingness to pay.
publisher	Public Library of Science (PLoS)
publishDate	2021
url	https://doaj.org/article/a44e90e23f4e44b3ad3b6dd5d9c5a9d4
work_keys_str_mv	AT muttaqienmuttaqien whydidinformalsectorworkersstoppayingforhealthinsuranceinindonesiaexploringenrolleesabilityandwillingnesstopay AT hermawatisetiyaningsih whydidinformalsectorworkersstoppayingforhealthinsuranceinindonesiaexploringenrolleesabilityandwillingnesstopay AT viniaristianti whydidinformalsectorworkersstoppayingforhealthinsuranceinindonesiaexploringenrolleesabilityandwillingnesstopay AT harrylaurenceselbycoleman whydidinformalsectorworkersstoppayingforhealthinsuranceinindonesiaexploringenrolleesabilityandwillingnesstopay AT muhammadsyamsuhidayat whydidinformalsectorworkersstoppayingforhealthinsuranceinindonesiaexploringenrolleesabilityandwillingnesstopay AT erzandhanalvin whydidinformalsectorworkersstoppayingforhealthinsuranceinindonesiaexploringenrolleesabilityandwillingnesstopay AT dedyrevelinosiregar whydidinformalsectorworkersstoppayingforhealthinsuranceinindonesiaexploringenrolleesabilityandwillingnesstopay AT alighufronmukti whydidinformalsectorworkersstoppayingforhealthinsuranceinindonesiaexploringenrolleesabilityandwillingnesstopay AT maartenolivierkok whydidinformalsectorworkersstoppayingforhealthinsuranceinindonesiaexploringenrolleesabilityandwillingnesstopay
_version_	1718375321650069504

Why did informal sector workers stop paying for health insurance in Indonesia? Exploring enrollees' ability and willingness to pay.

Ejemplares similares