Pub Date : 2025-12-13DOI: 10.1186/s13561-025-00709-5
Yoko Iwaki, Takayuki Hayashi, Shuhei Nomura, Shoko Shimamura, Rohita Gauchan, Michael C Huang
Objectives: Nepalese students in Japan surged from under 1,000 in 2008 to over 29,000 by 2019, driven by Japan's strategy of using student visas to fill unskilled labor gaps. This study examined the cost and benefit impact of the introduction of pre-entry tuberculosis (TB) screening policy, including testing and treatment for Japan and Nepal from 2014 to 2018.
Methods: This study used anonymous data of TB statistics of diagnosis and treatment from the Nepal Demographic and Health Survey and from Japan's Legal Affairs Bureau and Tuberculosis Surveillance Center. We used social cost-benefit analysis to examine the effect of the pre-entry TB screening policy on visas of Nepalese workers and students to Japan. Total cost, total benefit and net benefit for both countries were compared for the policy scenarios "With" and "Without", using net present value (NPV). In order to address parameter differences for uncertainty, we conducted sensitivity analysis using the Monte Carlo simulation with secondary transmission rate.
Results: Between 2014 and 2018 in Japan, net present value (NPV) of Nepalese students increased from USD 1.9 million to USD 3.1 million; likewise, NPV of Nepalese workers grew from USD 1.1 million to USD 3.2 million. From the perspective of Japan, the increase in NPV was greater than zero, meaning that the implementation of the policy could produce a benefit for Japan regarding prevention of an increase in new TB cases. The total NPV was USD -51.6 million, as pre-entry screening and treatment costs are incurred by both emigrants and the national health system.
Conclusions: Implementing a pre-entry TB screening policy for foreign migrants from high-burden countries such as Nepal could yield cost savings by reducing the incidence of newly diagnosed and potentially transmissible TB cases. Strong collaboration could ensure the follow-up and incentive for burden sharing of the implementation cost.
{"title":"Cost-benefit analysis of pre-entry tuberculosis screening for incoming migrants to Japan: a focus on Nepalese migrants.","authors":"Yoko Iwaki, Takayuki Hayashi, Shuhei Nomura, Shoko Shimamura, Rohita Gauchan, Michael C Huang","doi":"10.1186/s13561-025-00709-5","DOIUrl":"https://doi.org/10.1186/s13561-025-00709-5","url":null,"abstract":"<p><strong>Objectives: </strong>Nepalese students in Japan surged from under 1,000 in 2008 to over 29,000 by 2019, driven by Japan's strategy of using student visas to fill unskilled labor gaps. This study examined the cost and benefit impact of the introduction of pre-entry tuberculosis (TB) screening policy, including testing and treatment for Japan and Nepal from 2014 to 2018.</p><p><strong>Methods: </strong>This study used anonymous data of TB statistics of diagnosis and treatment from the Nepal Demographic and Health Survey and from Japan's Legal Affairs Bureau and Tuberculosis Surveillance Center. We used social cost-benefit analysis to examine the effect of the pre-entry TB screening policy on visas of Nepalese workers and students to Japan. Total cost, total benefit and net benefit for both countries were compared for the policy scenarios \"With\" and \"Without\", using net present value (NPV). In order to address parameter differences for uncertainty, we conducted sensitivity analysis using the Monte Carlo simulation with secondary transmission rate.</p><p><strong>Results: </strong>Between 2014 and 2018 in Japan, net present value (NPV) of Nepalese students increased from USD 1.9 million to USD 3.1 million; likewise, NPV of Nepalese workers grew from USD 1.1 million to USD 3.2 million. From the perspective of Japan, the increase in NPV was greater than zero, meaning that the implementation of the policy could produce a benefit for Japan regarding prevention of an increase in new TB cases. The total NPV was USD -51.6 million, as pre-entry screening and treatment costs are incurred by both emigrants and the national health system.</p><p><strong>Conclusions: </strong>Implementing a pre-entry TB screening policy for foreign migrants from high-burden countries such as Nepal could yield cost savings by reducing the incidence of newly diagnosed and potentially transmissible TB cases. Strong collaboration could ensure the follow-up and incentive for burden sharing of the implementation cost.</p>","PeriodicalId":46936,"journal":{"name":"Health Economics Review","volume":" ","pages":""},"PeriodicalIF":3.3,"publicationDate":"2025-12-13","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"145752348","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":3,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2025-12-13DOI: 10.1186/s13561-025-00701-z
Yajing Gao, Yi Yang, Zhuofu Li, Bai Zang, Chengfengyi Yang, Feifei Zhou, Qiaoqin Wan
{"title":"Systematic review of health economic evaluation of robot-assisted hip and knee arthroplasty.","authors":"Yajing Gao, Yi Yang, Zhuofu Li, Bai Zang, Chengfengyi Yang, Feifei Zhou, Qiaoqin Wan","doi":"10.1186/s13561-025-00701-z","DOIUrl":"10.1186/s13561-025-00701-z","url":null,"abstract":"","PeriodicalId":46936,"journal":{"name":"Health Economics Review","volume":" ","pages":"7"},"PeriodicalIF":3.3,"publicationDate":"2025-12-13","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"145752379","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":3,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2025-12-13DOI: 10.1186/s13561-025-00689-6
Camilo Arias
Risk adjustment formulas are essential in health insurance markets, as they mitigate risk selection incentives by aligning revenues with expected healthcare expenses based on enrollee characteristics. However, current formulas can underpredict spending for certain groups, leading to under-compensation for insurers and potentially affecting fairness, quality, and access to care. Many countries are exploring the addition of new variables to improve accuracy, but this can also weaken incentives for cost control. This paper illustrates a methodology approach to risk adjuster selection by using a penalized regression framework that explicitly incorporates the potential downsides of including specific variables. Drawing on a large dataset of over 10 million Colombian health insurance enrollees, we combine statistical estimation with expert assessment of each variable's susceptibility to gaming to construct a specification that limits gaming and maintains predictive accuracy.
{"title":"Selecting risk adjusters with penalized regression and expert judgment: evidence from Colombia.","authors":"Camilo Arias","doi":"10.1186/s13561-025-00689-6","DOIUrl":"10.1186/s13561-025-00689-6","url":null,"abstract":"<p><p>Risk adjustment formulas are essential in health insurance markets, as they mitigate risk selection incentives by aligning revenues with expected healthcare expenses based on enrollee characteristics. However, current formulas can underpredict spending for certain groups, leading to under-compensation for insurers and potentially affecting fairness, quality, and access to care. Many countries are exploring the addition of new variables to improve accuracy, but this can also weaken incentives for cost control. This paper illustrates a methodology approach to risk adjuster selection by using a penalized regression framework that explicitly incorporates the potential downsides of including specific variables. Drawing on a large dataset of over 10 million Colombian health insurance enrollees, we combine statistical estimation with expert assessment of each variable's susceptibility to gaming to construct a specification that limits gaming and maintains predictive accuracy.</p>","PeriodicalId":46936,"journal":{"name":"Health Economics Review","volume":" ","pages":"6"},"PeriodicalIF":3.3,"publicationDate":"2025-12-13","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"145745197","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":3,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2025-12-12DOI: 10.1186/s13561-025-00703-x
Khalid Mohamed Mohamud, Said Yusuf Warei, Ali Hajji Adam Abubakr
{"title":"Burden or benefit? Unveiling the impact of out-of-pocket health expenditures in Somalia's healthcare system.","authors":"Khalid Mohamed Mohamud, Said Yusuf Warei, Ali Hajji Adam Abubakr","doi":"10.1186/s13561-025-00703-x","DOIUrl":"10.1186/s13561-025-00703-x","url":null,"abstract":"","PeriodicalId":46936,"journal":{"name":"Health Economics Review","volume":" ","pages":"5"},"PeriodicalIF":3.3,"publicationDate":"2025-12-12","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"145745234","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":3,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2025-12-07DOI: 10.1186/s13561-025-00707-7
Claire Willmington, Ann Kirby, Aileen Murphy
{"title":"The economic impact of retinal diseases for which gene therapy is emerging: a systematic literature review.","authors":"Claire Willmington, Ann Kirby, Aileen Murphy","doi":"10.1186/s13561-025-00707-7","DOIUrl":"https://doi.org/10.1186/s13561-025-00707-7","url":null,"abstract":"","PeriodicalId":46936,"journal":{"name":"Health Economics Review","volume":" ","pages":""},"PeriodicalIF":3.3,"publicationDate":"2025-12-07","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"145696483","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":3,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Nigeria's growing digital health startup ecosystem has a lot of potential to fill in gaps in healthcare delivery, but many of these businesses fail to get off the ground after getting initial funding. This narrative review examines funding patterns from 2019 to 2025 and investigates why seed-stage investment often fails to translate into scaled impact. Investment reports, case studies of prominent Nigerian health-tech startups, and comparative insights from peer markets were synthesized. The analysis finds that despite a surge of seed funding and a record venture capital peak in 2021, few Nigerian digital health startups convert initial success into sustainable growth. Constraining factors include regulatory hurdles, infrastructural deficiencies, market trust barriers, talent gaps, and systemic health-sector limitations, challenges that mere capital infusion cannot overcome. Case narratives (e.g., Helium Health's regional expansion and 54gene's post-pandemic collapse) illustrate these dynamics. Key mechanisms to bridge the "post-seed" gap are discussed, ranging from strategic public-private partnerships to specialized follow-on funds, with lessons drawn from ecosystems like Kenya and India. Strengthening support beyond seed stages and addressing non-financial frictions will be crucial for Nigerian health-tech innovators to realize their full scale-up potential.
{"title":"Beyond seed funding: why Nigerian digital health startups struggle to grow.","authors":"Ubalaeze Solomon Elechi, Chibuzo Okechukwu Onah, Mohamed Albert Tarawallie, Ironuru Ifeanyi","doi":"10.1186/s13561-025-00708-6","DOIUrl":"10.1186/s13561-025-00708-6","url":null,"abstract":"<p><p>Nigeria's growing digital health startup ecosystem has a lot of potential to fill in gaps in healthcare delivery, but many of these businesses fail to get off the ground after getting initial funding. This narrative review examines funding patterns from 2019 to 2025 and investigates why seed-stage investment often fails to translate into scaled impact. Investment reports, case studies of prominent Nigerian health-tech startups, and comparative insights from peer markets were synthesized. The analysis finds that despite a surge of seed funding and a record venture capital peak in 2021, few Nigerian digital health startups convert initial success into sustainable growth. Constraining factors include regulatory hurdles, infrastructural deficiencies, market trust barriers, talent gaps, and systemic health-sector limitations, challenges that mere capital infusion cannot overcome. Case narratives (e.g., Helium Health's regional expansion and 54gene's post-pandemic collapse) illustrate these dynamics. Key mechanisms to bridge the \"post-seed\" gap are discussed, ranging from strategic public-private partnerships to specialized follow-on funds, with lessons drawn from ecosystems like Kenya and India. Strengthening support beyond seed stages and addressing non-financial frictions will be crucial for Nigerian health-tech innovators to realize their full scale-up potential.</p>","PeriodicalId":46936,"journal":{"name":"Health Economics Review","volume":" ","pages":"2"},"PeriodicalIF":3.3,"publicationDate":"2025-12-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://www.ncbi.nlm.nih.gov/pmc/articles/PMC12797844/pdf/","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"145679112","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":3,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"OA","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2025-11-27DOI: 10.1186/s13561-025-00692-x
Qi Zhang
This paper examines how rural primary care physicians in China adjusted their practice patterns to pandemic-related financial pressures under a capitated global-budget model. Using township-hospital data, we find increased prescribing of Traditional Chinese Medicine (TCM) decoction pieces, with effects concentrated among habitual prescribers rather than converting occasional users into regular prescribers. Physicians also reduced both the number of drugs prescribed and the volume of services provided to cost-sharing outpatients, producing a 5% decline in average insurance payments per outpatient visit and potentially generating a greater surplus within the global-budget pool. By contrast, we observe no significant changes for self-paying outpatients, suggesting limited scope for physician-induced demand. These results underscore the role of physician agency in healthcare provision and highlight the importance of aligning financial incentives with policy goals. While drug reforms and managed-care models have contained expenditures, challenges remain in achieving adequate coverage for rural residents.
{"title":"Physician agency in China: evidence from physicians' responses to financial pressure during the COVID-19 pandemic.","authors":"Qi Zhang","doi":"10.1186/s13561-025-00692-x","DOIUrl":"https://doi.org/10.1186/s13561-025-00692-x","url":null,"abstract":"<p><p>This paper examines how rural primary care physicians in China adjusted their practice patterns to pandemic-related financial pressures under a capitated global-budget model. Using township-hospital data, we find increased prescribing of Traditional Chinese Medicine (TCM) decoction pieces, with effects concentrated among habitual prescribers rather than converting occasional users into regular prescribers. Physicians also reduced both the number of drugs prescribed and the volume of services provided to cost-sharing outpatients, producing a 5% decline in average insurance payments per outpatient visit and potentially generating a greater surplus within the global-budget pool. By contrast, we observe no significant changes for self-paying outpatients, suggesting limited scope for physician-induced demand. These results underscore the role of physician agency in healthcare provision and highlight the importance of aligning financial incentives with policy goals. While drug reforms and managed-care models have contained expenditures, challenges remain in achieving adequate coverage for rural residents.</p>","PeriodicalId":46936,"journal":{"name":"Health Economics Review","volume":"15 1","pages":"102"},"PeriodicalIF":3.3,"publicationDate":"2025-11-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://www.ncbi.nlm.nih.gov/pmc/articles/PMC12661823/pdf/","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"145640896","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":3,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"OA","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2025-11-27DOI: 10.1186/s13561-025-00705-9
Kento Takamura, Gai Jinnai, Yuki Niwa, Masuo Kondoh
The pricing of new drugs plays a critical role in patient access by influencing where and when pharmaceutical companies choose to launch their products. The United States (US) operates a predominantly market-based pricing system, in which pharmaceutical companies set and manage drug prices under private health insurance. In contrast, Japan has a government-regulated drug pricing system under its National Health Insurance (NHI). On average, drug prices in the US are 3.2 times higher than those in Japan. The US system facilitates faster patient access to new drugs through rapid market entry, whereas market entry in Japan has often been delayed. To address this issue, the Japanese government introduced the Rapid Introduction Premium in April 2024, aiming to promote earlier launches of new drugs by narrowing the price gap with higher-priced markets such as the US. In this review, we provide an overview of the new drug pricing framework associated with the Rapid Introduction Premium.
{"title":"Overview of the Japanese Rapid Introduction Premium as a drug pricing framework to enhance patient access to innovative drugs.","authors":"Kento Takamura, Gai Jinnai, Yuki Niwa, Masuo Kondoh","doi":"10.1186/s13561-025-00705-9","DOIUrl":"10.1186/s13561-025-00705-9","url":null,"abstract":"<p><p>The pricing of new drugs plays a critical role in patient access by influencing where and when pharmaceutical companies choose to launch their products. The United States (US) operates a predominantly market-based pricing system, in which pharmaceutical companies set and manage drug prices under private health insurance. In contrast, Japan has a government-regulated drug pricing system under its National Health Insurance (NHI). On average, drug prices in the US are 3.2 times higher than those in Japan. The US system facilitates faster patient access to new drugs through rapid market entry, whereas market entry in Japan has often been delayed. To address this issue, the Japanese government introduced the Rapid Introduction Premium in April 2024, aiming to promote earlier launches of new drugs by narrowing the price gap with higher-priced markets such as the US. In this review, we provide an overview of the new drug pricing framework associated with the Rapid Introduction Premium.</p>","PeriodicalId":46936,"journal":{"name":"Health Economics Review","volume":" ","pages":"1"},"PeriodicalIF":3.3,"publicationDate":"2025-11-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://www.ncbi.nlm.nih.gov/pmc/articles/PMC12777408/pdf/","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"145640907","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":3,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"OA","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2025-11-26DOI: 10.1186/s13561-025-00699-4
Andrea Marcellusi, Daniela Cazzato, Giulio Guarnotta, Andrea Aiello, Marzia Bonfanti, Rossella Bitonti, Melissa Guardigni, Chiara Lucchetti, Fulvio Luccini, Pier Luigi Canonico, Claudio Jommi
Background and objective: In recent years, spending on orphan drugs in Italy has seen a significant rise. The analysis aims to estimate future spending for medicines for rare diseases (RDs) in Italy.
Methods: A forecasting model was developed over a three-year time frame. New drugs were selected according to specific criteria, using Biomedtracker and clinical trial databases. For each therapeutic indication, comparators were identified to estimate the average cost per patient. Overall expenditure was projected by applying prevalence data to the eligible population, and considering expected drug uptake trends over the study period. Additionally, a deterministic sensitivity analysis was performed to assess the influence of price fluctuations on total pharmaceutical spending.
Results: Overall, a total of 137 pipeline drugs for RDs were identified, covering 74 indications. The model estimated a total spending on RD treatments equal to €2.08 billion in 2024, corresponding to an average cost of €24,777 per patient. The projection indicates an increase by 1.9% in 2025, 4.0% in 2026, and 7.1% in 2027 compared to 2024. Focusing on orphan designation drugs (n = 115), the 2024 expenditure was estimated at €1.93 billion, with an average patient cost of €22,984. The introduction of new orphan drugs is expected to drive further increases in spending by 1.1% in 2025, 2.2% in 2026, and 3.7% in 2027.
Conclusions: The results underscore the growing financial impact of orphan drugs on Italy's healthcare budget. This analysis offers a quantitative projection of the resources required to ensure continued access to innovative therapies for RDs.
{"title":"Horizon scanning and drug expenditure for rare diseases: three-year predictive model in Italy 2025-2027.","authors":"Andrea Marcellusi, Daniela Cazzato, Giulio Guarnotta, Andrea Aiello, Marzia Bonfanti, Rossella Bitonti, Melissa Guardigni, Chiara Lucchetti, Fulvio Luccini, Pier Luigi Canonico, Claudio Jommi","doi":"10.1186/s13561-025-00699-4","DOIUrl":"10.1186/s13561-025-00699-4","url":null,"abstract":"<p><strong>Background and objective: </strong>In recent years, spending on orphan drugs in Italy has seen a significant rise. The analysis aims to estimate future spending for medicines for rare diseases (RDs) in Italy.</p><p><strong>Methods: </strong>A forecasting model was developed over a three-year time frame. New drugs were selected according to specific criteria, using Biomedtracker and clinical trial databases. For each therapeutic indication, comparators were identified to estimate the average cost per patient. Overall expenditure was projected by applying prevalence data to the eligible population, and considering expected drug uptake trends over the study period. Additionally, a deterministic sensitivity analysis was performed to assess the influence of price fluctuations on total pharmaceutical spending.</p><p><strong>Results: </strong>Overall, a total of 137 pipeline drugs for RDs were identified, covering 74 indications. The model estimated a total spending on RD treatments equal to €2.08 billion in 2024, corresponding to an average cost of €24,777 per patient. The projection indicates an increase by 1.9% in 2025, 4.0% in 2026, and 7.1% in 2027 compared to 2024. Focusing on orphan designation drugs (n = 115), the 2024 expenditure was estimated at €1.93 billion, with an average patient cost of €22,984. The introduction of new orphan drugs is expected to drive further increases in spending by 1.1% in 2025, 2.2% in 2026, and 3.7% in 2027.</p><p><strong>Conclusions: </strong>The results underscore the growing financial impact of orphan drugs on Italy's healthcare budget. This analysis offers a quantitative projection of the resources required to ensure continued access to innovative therapies for RDs.</p>","PeriodicalId":46936,"journal":{"name":"Health Economics Review","volume":" ","pages":"107"},"PeriodicalIF":3.3,"publicationDate":"2025-11-26","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://www.ncbi.nlm.nih.gov/pmc/articles/PMC12751663/pdf/","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"145606792","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":3,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"OA","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2025-11-26DOI: 10.1186/s13561-025-00702-y
Muhammad Syamsu Hidayat, Yudistira Hendra Permana, Diah Ayu Puspandari, Dedy Revelino Siregar, Hermawati Setyaningsih, Vini Aristianti, Wan Aisyah Baros, Zafria Atsna, Findri Fadlika, Azizah Boenjamin
Background: Currently, the Indonesian National Health Insurance (NHI) covers over 90% of the population. However, around 18% of the enrolees are inactive, failing to pay premiums regularly, with proportions varying across membership types. This situation could impede access to health services and influence overall enrolees' health. This study seeks to assess the ability and willingness to pay, and to identify the factors influencing them among informal workers in relation to compliance and commitment to NHI premium payments.
Methods: This nation-wide survey covered fifteen districts and 4,059 respondents, examining the ability to pay and willingness to pay among informal sector workers under the NHI scheme. Willingness to pay was calculated using a bidding game, while ability to pay was calculated as 5% of disposable income, using household expenditure as a proxy for income. Logistic regression was used to explore factors influencing compliance. Variables of interest included household expenditure, membership class, regional area, payment commitment, risk aversion, and out-of-pocket expenses, while control variables comprised demographic characteristics, family medical history, healthcare utilisation, and satisfaction rate.
Results: The ability to pay the premium among enrolees was generally below the current premium level, except for active enrolees in the third class. While active enrolees expressed a willingness to pay about 10% more than the existing premium, inactive enrolees were only willing to pay about 50% of it. Compliance to pay the premium was influenced by non-food and tobacco expenditures, willingness to pay, risk aversion, catastrophic illness, healthcare utilization, size of household members, and patient satisfaction. Additional factors positively influencing compliance included food and non-food expenditures, NHI literacy, and enrolee class. CONCLUSION AND RECOMMENDATION: To enhance health care access, policy efforts must address the disparity between current premium levels and informal sector workers' financial capacity and willingness to pay. Given constrained government budgets, cross-sector collaboration is necessary to support stable incomes for these workers. Furthermore, strategies that foster risk awareness and payment commitment, through targeted outreach and improved health insurance literacy, may enhance long-term compliance and coverage.
{"title":"Payment compliance of informal sector workers in Indonesia National Health Insurance: a study on ability and willingness to pay.","authors":"Muhammad Syamsu Hidayat, Yudistira Hendra Permana, Diah Ayu Puspandari, Dedy Revelino Siregar, Hermawati Setyaningsih, Vini Aristianti, Wan Aisyah Baros, Zafria Atsna, Findri Fadlika, Azizah Boenjamin","doi":"10.1186/s13561-025-00702-y","DOIUrl":"10.1186/s13561-025-00702-y","url":null,"abstract":"<p><strong>Background: </strong>Currently, the Indonesian National Health Insurance (NHI) covers over 90% of the population. However, around 18% of the enrolees are inactive, failing to pay premiums regularly, with proportions varying across membership types. This situation could impede access to health services and influence overall enrolees' health. This study seeks to assess the ability and willingness to pay, and to identify the factors influencing them among informal workers in relation to compliance and commitment to NHI premium payments.</p><p><strong>Methods: </strong>This nation-wide survey covered fifteen districts and 4,059 respondents, examining the ability to pay and willingness to pay among informal sector workers under the NHI scheme. Willingness to pay was calculated using a bidding game, while ability to pay was calculated as 5% of disposable income, using household expenditure as a proxy for income. Logistic regression was used to explore factors influencing compliance. Variables of interest included household expenditure, membership class, regional area, payment commitment, risk aversion, and out-of-pocket expenses, while control variables comprised demographic characteristics, family medical history, healthcare utilisation, and satisfaction rate.</p><p><strong>Results: </strong>The ability to pay the premium among enrolees was generally below the current premium level, except for active enrolees in the third class. While active enrolees expressed a willingness to pay about 10% more than the existing premium, inactive enrolees were only willing to pay about 50% of it. Compliance to pay the premium was influenced by non-food and tobacco expenditures, willingness to pay, risk aversion, catastrophic illness, healthcare utilization, size of household members, and patient satisfaction. Additional factors positively influencing compliance included food and non-food expenditures, NHI literacy, and enrolee class. CONCLUSION AND RECOMMENDATION: To enhance health care access, policy efforts must address the disparity between current premium levels and informal sector workers' financial capacity and willingness to pay. Given constrained government budgets, cross-sector collaboration is necessary to support stable incomes for these workers. Furthermore, strategies that foster risk awareness and payment commitment, through targeted outreach and improved health insurance literacy, may enhance long-term compliance and coverage.</p>","PeriodicalId":46936,"journal":{"name":"Health Economics Review","volume":" ","pages":"109"},"PeriodicalIF":3.3,"publicationDate":"2025-11-26","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://www.ncbi.nlm.nih.gov/pmc/articles/PMC12751471/pdf/","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"145606804","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":3,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"OA","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}