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Moral hazard

Western Michigan University

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Three Essays On Social Health Insurance In Developing Countries: The Case Study Of Ghana, Stephen Ofori Abrokwah Aug 2013

Three Essays On Social Health Insurance In Developing Countries: The Case Study Of Ghana, Stephen Ofori Abrokwah

Dissertations

More than 2 billion people live in developing countries with health systems constrained by inequitable access and inadequate funding. The World Health Organization estimates that more than 150 million of these people suffer financial breakdown every year having to make unexpected out-of-pocket expenditures for emergency care.

To improve health and reduce the financial burden on households, a number of developing countries, including Ghana, Colombia, and Peru, have recently introduced social health insurance programs which are heavily subsidized. The dissertation is a collection of three essays looking at how individual health care choices changed as a result of the availability of …