Taking Stock Of Health: An Examination Of Health Insurance Expenditures By Employer Categories

Abstract

<p class="MsoNormal" style="text-align: justify; margin: 0in 0.5in 0pt;"><span style="font-size: 10pt;"><span style="font-family: Times New Roman;">This research uses the Consumer Expenditure Survey (CEX) data to examine the cost of health insurance coverage for government as well as private sector employees and for the self-employed. The findings show that, when compared with private-sector employees, the self-employed spend more and government employees spend less on health insurance premium payments. Factors such as education, marital status, region of residence, age, family size and educational attainment are significant determinants of the amount spent on health insurance. In addition, the likelihood of participation in Preferred Provider Option (PPO) health plans is lower for government employees and for self-employed individuals than for private sector employees.</span></span></p>

Choice of Delivery Facility among Expectant Mothers in Ghana

“…Mpembeni et al (2007), for instance, studied the determinants of skilled delivery in Southern Tanzania where socio-economic status, distance to health facilities, education and knowledge of risk factors associated with delivery featured as key significant predictors. There is also extant literature on the determinants of health insurance, health care coverage and the effect of health insurance on health in general (Chatterjee and Gilliam 2009;Jütting 2005;Levy and Meltzer, 2008;Nketiah-Amponsah 2009). The use of taxes and health insurance to finance health care, in general, generates some redistributive effects from the rich and healthy to the sick and poor while user fees put a higher burden on sick people (Ensor and Ronoh 2005;Sharma 2012).…”