Analysis of Factors Affecting the Health Insurance Ownership with Binary Logistic Regression Model

Abstract

Having health insurance is an important decision for enjoying the security of a safe future. Health insurance can protect people from a large amount of medical costs. More Indonesian have health insurance now a days than ever before since the government is committed to supporting the universal health care. This study aims to determine factors affecting the health insurance ownership and to understand their relations in Indonesia using a binary logistic regression model. The data used in this study came from the fifth wave of the Indonesian Family Life Survey (IFLS). There were 29,508 respondents where 14,653 among them have health insurance. The logistic regression model suggested that job, education, chronic condition, marital status, and inpatient care were statistically significant to the health insurance ownership (yes/no), while not significant for gender and health condition. Fitting the logistic regression model with age as the only explanatory variable yielded that the probability of having health insurance increased in line with age.