Factors Affecting the Adoption of Community Based Health Insurance among Households in Adama City, Ethiopia

Abstract

The main objective of this study was to identify factors affecting the adoption of community-based health insurance among households in Adama city. The study used a cross- sectional data and explanatory research designs and mixed research approach. Structured questionnaires were used to collect primary data from 353 sample respondents, who were selected using probability sampling technique supplemented by key informant interview. Binary logistic regression model was employed to identify factors that determine the adoption of community- based health insurance in the study area. The descriptive statistics result revealed that most of (56.37%) the household heads adopted community-based health insurance. The resulting distribution on perception of community-based health insurance (CBHI) further showed that (35.69%) and (41.64%) of the respondents in the study area perceived CBHI as very good and good respectively. The regression result revealed that variables such as income, legal framework, occupation, chronic ill family member and facility preference are significantly and negatively associated with the adoption of community-based health insurance in the study area. On the other hand, higher education and drug availability significantly and positively affected the adoption of community-based health insurance in the study area. Thus, integrated effort is needed among the governmental and non-governmental organizations with full involvement of the households to enhance the adoption level of community-based health insurance. In addition, higher education and drug availability within the health facility should be strengthened that increases the likelihood of adoption of community- based health insurance.