Prevalence and Factors Associated with Out-of-Pocket Community-Based Health Insurance Expenditure in Osun State

Olufemi Adetutu, Obafemi Awolowo University
Adewale Adesina, Obafemi Awolowo University, Ile-Ife.

This study determined the prevalence of out-of-pocket medical health expenditures, and assessed the influence of barriers and facilitators of community-based health insurance schemes on payment of catastrophic health expenditures. This was with a view to providing information on health financing outside of the formal sector and tease out evidence on socio-economic and health inequalities. The study adopted a cross-sectional research design, using primary data collection method and quantitative methodology. The study conducted hospital-based research and used an interviewer-administered questionnaire through a purposive sampling technique which involved stratification of health facilities in urban rural areas of the study area. Subscribers of community-based health insurance schemes were approached in the national health insurance office and within the health facility for interviewing. Results showed 21.4% reduction in health expenditure, 12.0% believed CBHIS did not reduce financial risks and 78.3% reported CBHIS did not cover the cost of medications. This study concluded that CBHIS did not reduce out-of-pocket expenditures.