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Working Paper 225 - Measuring the Impact of Micro-Health Insurance on Healthcare Utilization: A Bayesian Potential Outcomes Approach


Affordable health insurance improves utilization of healthcare services and provides financial protection against catastrophic out-of-pocket health expenditures. However, functioning health insurance systems are lacking in many low-income countries. Private health insurance markets and employment-based health insurance systems are not accessible for the majority of the population. As a result, significant proportion of the population has low healthcare utilization rate and faces healthrelated income shocks. In recent years, Community-Based Health Insurance (CBHI) schemes have become popular healthcare financing alternatives across the developing world in Asia, Africa, and Latin America. CBHI schemes, also referred to as mutual health insurance, are subsidized micro health insurance programs for the poor mainly in informal and agricultural sectors (Acharya et al. 2012).

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