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Predictors of Enrolment in Health Insurance: A Study among Self-employed Workers in Ijebu-ode Local Government Area, Ogun State, Nigeria

Predictors of Enrolment in Health Insurance: A Study among Self-employed Workers in Ijebu-ode Local Government Area, Ogun State, Nigeria

Ugwu, E. O, Akinboye, D. O, Akinoye, J. I  

Journal Title:Texila International Journal of Public Health
Abstract


Background: Health insurance is a social security mechanism for achieving improved access to healthcare services and at burden reducing cost. In Nigeria, less than 10% of the population has health insurance. The objective of this study was to assess the knowledge, attitude and self-efficacy of self-employed workers regarding enrolment in health insurance. Materials and Methods: This study adopted a cross-sectional survey design among 420 market traders attending Olabisi Onabanjo International Market, Ijebu-ode. Stratified systematic sampling technique was used to collect data analysed and presented as frequency distribution, means and standard deviations and inferential statistics which were statistically tested at 5% level of significance. Results: This study found that enrolment in health insurance among self-employed workers was 9%. The respondents in this study expressed good level of knowledge (9.66±1.94), positive attitude (27.65±5.52), and high health insurance decision self-efficacy (12.22±4.64) towards health insurance. There was a statistically significant relationship between self-efficacy (r=0.158; p=0.003) and enrolment in health insurance among self-employed workers. Conclusions: This study concluded that despite the outcomes of the variable studied, enrolment in health insurance was still low suggesting that there are additional barriers that need to be explored. This study recommended that reinforcing factors and enabling factors that could facilitate or impede the decision of self-employed workers to enrol in health insurance should be explored. Keywords: Enrolment, Health insurance, Health financing, Self-employed workers.