THE IMPACT OF COMMUNITY-BASED HEALTH INSURANCE ON HEALTH SERVICE UTILIZATION IN SAMARA LOGIYA CITY ADMINISTRATION

Abstract This study examines the impacts of Community-Based Health Insurance (CBHI) adoption among households in Samara-logiya city administration. Utilizing a comprehensive questionnaire distributed to 385 household heads, the research achieved a 100% response rate. The analysis reveals significant relationships between various socio-economic factors and CBHI enrollment. Descriptive statistics indicate that 28.31% of respondents are insured under CBHI, while majority (71.69%) remain uninsured. Notably, education emerges as a critical determinant, with higher educational levels correlating with increased insurance uptake. Awareness of CBHI is also pivotal, significantly influencing enrollment decisions. Additionally, the study identifies key barriers to insurance adoption, including the distance to health services and lengthy waiting times, which deter households from enrolling. Econometric analysis employing a PSM model highlights that affordability of premiums directly impacts participation, emphasizing that more accessible pricing leads to higher insurance enrollment rates. The findings further demonstrate that CBHI enrollment substantially reduces health expenditure, with enrollees experiencing lower financial burdens when accessing healthcare services. Furthermore, the analysis reveals positive effects on household spending, as CBHI participants allocate more resources to food and non-food items, indicating improved economic stability and enhanced quality of life. Overall, this research underscores the vital role of CBHI in promoting health access and financial protection for households, while also advocating for increased awareness and education to enhance participation rates. The study contributes valuable insights for policymakers aiming to improve health insurance schemes and health service utilization within the community, illustrating the transformative potential of CBHI in fostering both health and economic well-being.