AI Article Synopsis

  • The study examines why people in Ghana aren't subscribing to health insurance, using a survey of 312 respondents and the theory of planned behavior.
  • Findings show that positive attitudes, social influences, and perceived control all help increase health insurance subscriptions, highlighting that multiple factors contribute to individual decisions.
  • The results support the theory of planned behavior's effectiveness and suggest ways to improve health insurance uptake, emphasizing the importance of understanding behavioral factors in health policy.

Article Abstract

Though health insurance policies remain critical to eliminating healthcare access barriers, population-wide subscription in Ghana however remains unsatisfactory. Therefore, this study, while employing a questionnaire survey to elicit data (= 312) analyzed via the structural equation modeling technique, investigates individual health insurance subscription underpinnings using the theory of planned behavior. The results of data analysis affirmed attitude, subjective norm and perceived behavior control as positively related to health insurance subscription. Similarly, results further revealed personal norm and descriptive norm as significantly related to intention, testifying to individuals' subscription as not anchored on a single factor, but rather on a confluence of behavior-driven elements. The current study, in addition to affirming the TPB's predictive potency, also enriches health insurance research, and underscores the much often-disregarded behavior constituents as imperative to health policy design and implementation. In view of the study results, implications for augmenting subscription, and suggestions for further research are subsequently delineated.

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Source
http://dx.doi.org/10.1080/19371918.2022.2135662DOI Listing

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