“Determinants of Households Willingness to Pay for Community Based Health Insurance in Ambo District, West Shoa Zone, Oromia Region, Ethiopia”

Abstract

In the most developing countries out of pocket health care spend still impoverishes households especially in rural and people in informal sector. So far, many have been conducted study regarding the determinants of CBHI WTP in developing countries in general and in Ethiopia in particular. Accordingly, the main objective of this study was to assess willingness to pay for CBHI and factors determining it among rural households in Ambo district, west shoa zone, Ethiopia. To conduct this community based cross sectional survey was conducted by collecting data from 322 household heads using a multistage sampling method. Contingent valuation method and binary logistic regression was used to identify the determinants of household decisions for CBHI enrollment. The data was collected using structured self-administered questioner then entered and analyzed with Stata version 14.0. The finding disclosed that among 322 respondents, 187(58.07%) of them were willing to pay and 315 etb is the mean amount they are willing to pay. The finding revealed that gender, income level, employment type, participation in social association , trust in method of payment and waiting time for service card are significantly determine willingness to pay for CBHI. Furthermore, this study finds the household who are willingness to pay CBHI scheme is low in the district. Therefore, to enhance enrolment and build trust on the program the Agency of health insurance and health offices should digitalize membership, contribution collection and redesign ID distribution strategy get service as soon as payment made.