Abstract

 Background:
 The Indonesian Government's target of Universal Coverage or 100% Health Insurance participation by 2019 failed to be achieved, even until the end of October 2020. The failure of universal coverage resulted in BPJS Health's finances getting worse after experiencing a deficit. Informal sector workers are the most dominant sector that has not participated in the Health Insurance scheme, totaling 30,487,891 workers. Low income, uncertainty each month, and the increase in contributions resulted in a decrease in Willingness to pay Health Insurance contributions.
 Research purposes:
 The purpose of this study is to analyze the effect of income, knowledge, and disease susceptibility to the willingness to pay (WTP) of health insurance contributions to informal sector workers.
 Method:
 This cross-sectional research was conducted in Kudus Regency, Central Java in January-February 2020. Sampling used purposive sampling with a total of 200 informal sector workers who had not yet participated in BPJS Kesehatan. The dependent variable is a willingness to pay. The independent variables are income, knowledge, and disease susceptibility. Data collection using a questionnaire and data analysis with logistic regression.
 Result:
 Willingness To Pay health insurance contributions for informal sector workers increased in income ≥Rp 2,218,451 (b = 2.02; 95% CI = 1.01-3.55; p = 0.044), high knowledge (b = 4.64; 95% CI = 2.36-8.31; p <0.001), high disease susceptibility (b = 3.01; 95% CI = 0.26-5.75; p = 0.031).
 Conclusion:
 Income, knowledge, and disease vulnerability have a significant effect on the willingness to pay for health insurance contributions for informal sector workers.
 
 Keywords: Universal Health Coverage; Willingness To Pay; Health Insurance; informal sector workers.
Highlights
The Indonesian Government's target of Universal Coverage or 100% Health Insurance participation by 2019 failed to be achieved, even until the end of October 2020
Hasil: Willingness to pay premi Jaminan Kesehatan pada pekerja sektor informal meningkat pada pendapatan ≥Rp 2,218,451 (b=2.02; confident interval (CI) 95%= 1.01-3.55; p=0.044), pengetahuan tinggi (b=4.64; CI 95%= 2.36-8.31; p
Pekerja sektor informal dengan pendapatan tinggi atau ≥UMK (Rp 2,218,451) memiliki kemungkinan untuk mau membayar premi Badan Penyelenggara Jaminan Sosial (BPJS) Kesehatan kelas III secara rutin sebesar Rp 25,500 sebanyak 2.02 kali lebih tinggi dibandingkan yang memiliki pendapatan rendah atau
Summary
Kesmas Uwigama : Jurnal Kesehatan Masyarakat P-ISSN 2460-0350, E-ISSN 2477-5819 June 2021, Vol 7 No 1. Amanat Pancasila dan UndangUndang Dasar 1945 Pasal 28H ayat 1 dan 3 serta Pasal 34 ayat 1, 2, 3 adalah untuk menjamin kesehatan dan jaminan sosial bagi seluruh warga Negara (Pemerintah Indonesia, 1945). Sebagai tindak lanjut hal tesebut, dibentuklah Sistem Jaminan Sosial Nasional (SJSN) untuk memberikan jaminan terpenuhinya kebutuhan dasar hidup yang layak bagi setiap peserta dan atau anggota keluarganya (Pemerintah Indonesia, 2004). Sejalan dengan Progam Indonesia Sehat pilar ketiga yaitu Jaminan Kesehatan yang bersifat wajib dan mencakup seluruh penduduk Indonesia, maka dibentuk suatu badan hukum yang diberi nama Badan Penyelenggara Jaminan Sosial (BPJS) pada tahun 2013. Jaminan kesehatan menggunakan prinsip asuransi sosial yaitu kepesertaan yang bersifat wajib, besaran premi berdasarkan persentase pendapatan dan semua anggota mendapatkan pelayanan kesehatan yang sama (Pemerintah Indonesia, 2004)
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