Sustainability of national health insurance scheme in Ghana: what is the effect of enrolment on retention and what are the constraints?

ABSTRACT:

Background

Globally, health remains an important issue on governments agenda. Subsequently, the health insurance scheme was introduced in Ghana to reduce out-of-pocket payments for healthcare delivery. However, there are several challenges facing the scheme including continuous membership (retention) and financial constraints. These issues pose threat to the sustainability of the scheme. This study examined the effect of NHIS enrolment status on NHIS retention status in Ghana. The study further assesses the socio-demographic determinants of the NHIS retention and the major constraints in Ghana.

Methods

The expected utility theory of decision-making on health insurance underpins the study. The study's sample is drawn from the Ghana Living Standards Survey Round 7 (2016/2017)

SUBMITTER: Essah NK 

PROVIDER: S-EPMC12275349 | biostudies-literature | 2025 Jul

REPOSITORIES: biostudies-literature