Household’s Head Satisfaction and Associated Factors Towards Community‐Based Health Insurance (CBHI) Schemes Among Enrollees in Northwest Ethiopia

Background: Community‐based health insurance (CBHI) is an emerging form of microhealth insurance that relies on the principle of solidarity, with community members pooling money to help with medical expenses. The level of household heads’ satisfaction with CBHI schemes is more likely to affect their decision to remain enrolled and the entrance of new members. However, studies regarding household heads’ satisfaction with the CBHI schemes are scarce in Ethiopia. Therefore, this study aimed to determine the level of satisfaction with CBHI schemes and associated factors among heads of households in Northwest Ethiopia. Methods: A community‐based cross‐sectional study was conducted from March 1–30, 2022. A stratified random sampling technique with multistage sampling was used to select 604 study participants. A face‐to‐face interview was conducted using a pretested structured questionnaire. Both bivariable and multivariable logistic regression analyses were conducted. An adjusted odds ratio (AOR) with 95% confidence intervals (CIs) was computed to evaluate the strength of the association, and variables with a p value < 0.05 at a 95% CI were considered statistically significant. Results: This study found that about 56.1% of household heads were satisfied with the CBHI schemes. Being older age (AOR = 1.85; 95% CI: 1.17, 2.94), rural residence (AOR = 4.13; 95% CI: 2.24, 7.62), visited only health center (AOR = 0.34; 95% CI: 0.20, 0.55), distance from a health facility (AOR = 3.18; 95% CI: 1.82, 5.55), agreement with prescribed drugs (AOR = 2.31; 95% CI: 1.36, 3.92), friendliness with healthcare provider (AOR = 3.65; 95% CI: 2.18, 6.10), and had a good knowledge of benefit packages (AOR = 3.00; 95% CI: 1.93, 4.67) were significantly associated with household head satisfaction. Conclusion: The overall satisfaction of household heads with the CBHI schemes was good. The type of health facility visited, residence, age, distance from health facilities, relationship with healthcare providers, agreement with prescribed medications, and knowledge of community based health insurance were significantly associated with participants’ satisfaction. Thus, these findings suggest that improving access to healthcare services, fostering better relationships between healthcare providers and beneficiaries, and enhancing awareness of CBHI benefits could further increase satisfaction levels among households.