Abstract:
Health insurance enrolment in Ghana has become increasingly prominent irrespective
of the subscribers educational background. This study was designed to investigate the
impact of education attainment on health insurance enrolment; It specifically explores
the determinants of Health insurance enrolment in Ghana with particular attention on
education attainment; The research further seeks to compare income levels of health
insurance subscribers in Ghana; and also to establish the relationship between
education background and health insurance enrolment. This study employed Logit
and Probit Models to investigate the factors that influence Ghanaians to enrol with the
scheme. The results from the logit and probit models indicate that educational level,
number of years spent in school, specific health condition, age and income were
strong factors in influencing one‘s decision to join the scheme. Again the marginal
effects and odd ratios gave a further indication that there is relationship between
educational attainment and health insurance enrolment as people climb the
educational lather, their demand for health insurance falls, people with high incomes
do not enrol to national health insurance programs that people with high incomes do
not enrol to national health insurance programs. This research is of the view that any
public education aimed at increasing enrolment should be guided by these factors.
Description:
A dissertation in the Department of Economics Education,
Faculty of Social Science Education, submitted to the School
of Graduate Studies in partial fulfillment
of the requirements for the award of the degree of
Master of Science
(Economics Education)
in the University of Education, Winneba
DECEMBER, 2020
