Determinant of Willingness to Pay Health Insurance Contribution to Informal Workers

Abstract

The purpose of this study was to analyze the willingness to pay contributions of informal workers and the factors that affect the willingness to pay contribution of Badan Penyelenggara Jaminan Sosial (BPJS) Kesehatan for informal workers in Brebes Regency. Descriptive research with quantitative approach method is used in this study. Data analysis method uses logistic regression method. The results showed that 71 respondents were willing to pay contribution of Badan Penyelenggara Jaminan Sosial (BPJS) Kesehatan for the sustainability of the program and improve the quality of service facilities and 29 respondents said they were not willing to pay. Factors that have a significantly affect on willingness to pay for informal workers are income variable, number of family members, and history of catastrophic disease. Whereas the factors that have no significant on willingness to pay are the last education variable and knowledge. The policy implication for local governments is to increase productivity in the informal sector which aims to increase income of informal workers and re-record Pekerja Bukan Penerima Upah (PBPU) participants who are economically incapable to be transferred to Penerima Bantuan Iuran (PBI) participants. Increase knowledge related to the importance of paying contributions to Pekerja Bukan Penerima Upah (PBPU) participants by Badan Penyelenggara Jaminan Sosial ( BPJS) Kesehatan.

Factors Correlated with Willingness and Compliance to Pay National Health Insurance Premium in Jember Regency

“…It is known that the coefficient value (b) is positive, so the effect of income on the willingness to pay the premium for BPJS Kesehatan Mandiri is statistically significant. This is in line with Witati and Putri's (2020), which states that income has a positive relationship with willingness to pay. This means that the higher the family income, the higher the likelihood that informal workers will be willing to pay contributions from the Healthcare Social Security Administration (BPJS) assuming other factors are considered constant.…”

“…According to Witati and Putri (2020), the more the number of family members, the more the household needs to meet the needs of life. The impact faced is that the larger the number of family members, the more premiums must be paid.…”