Examining the Socio-Demographic Factors that Determine Wokers’ Decision to Hold Health Insurance in Adamawa State, Nigeria

N.A. Umar¹ , A.U. Pariya²

Section:Research Paper, Product Type: Journal-Paper
Vol.9 , Issue.3 , pp.27-32, Sep-2021

Online published on Sep 30, 2021

Copyright © N.A. Umar, A.U. Pariya . This is an open access article distributed under the Creative Commons Attribution License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.
 

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Abstract :
This study examined the socio-demographic factors that influence worker’s willingness to hold health insurance otherwise. The study utilized data from the Federal College of Education, (FCE, Yola), and American University of Nigeria (AUN) in Adamawa State, Nigeria, using a structured-questionnaire. A sample of 200 was drawn from the two institutions. Binary choice models were employed to model the effects of these factors on worker’s decision to either hold health insurance or not. The results show about 81% of the respondents that are being insured is married. Similarly, those with larger families hold insurance more than respondents with smaller families. For the influence of religion, outcome reveals Muslims workers hold insurance more than non-Muslims workers. Also, workers with the highest education qualification are mostly insured with about 84%. Equally, respondents that are within middle income group tend to hold health insurance more with about 83%. This research was limited in its scope and variables used, as it only covered two academic institutions in Yola city of Adamawa state, Nigeria, and examined only socio-demographic factors that can influence an employee to hold health insurance. The outcome of this research adds value to the existing literature and knowledge in the field of health economics.

Key-Words / Index Term :
Health Insurance, NHIS, Socio-Demographic factors

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