Table 3.
Willingness to pay insurance premiums and co‐payments
| Variables | General Population Sample, N = 320 | SSS Members Sample, N = 320 | Statistical Significance of the Sample Difference | |
|---|---|---|---|---|
| n (%) | n (%) | P Value | ||
| Willing to pay for health insurance premium to be able to use free of charge essential healthcare services when needed | Yes = 1 | 245 (76.6%) | 298 (93.1%) | 0.001b |
| No = 0 | 75 (23.4%) | 22 (6.9%) | ||
| Reason for being unwilling to pay for health insurance (only for those who stated unwillingness to pay) | Reject to pay | 35 (50.7%) | 11 (50%) | ‐ |
| Unable to pay | 16 (23.2%) | 9 (40.9%) | ||
| Reject and unable to pay | 12 (17.4%) | 1 (4.5%) | ||
| Other reason | 6 (%) | 1 (4.5%) | ||
| Missing | 6 (8.7%) | ‐ | ||
| Maximum amount of money that is willing to pay every month for health insurance for him/herselfc (only for those who stated willingness to pay) | <2000 MMKc | 105 (43%) | 161 (54%) | 0.003b |
| 2000‐<4000 MMKc | 109 (44.7%) | 118 (39.6%) | ||
| 4000‐<6000 MMKc | 23 (9.4%) | 17 (5.7%) | ||
| >6000 MMKc | 7 (2.9%) | 2 (0.7%) | ||
| Missing | 1 (0.3%) | ‐ | ||
| Exact maximum amount that is willing to pay every month for health insurance for him/herself (MMK)c (only for those who stated willingness to pay) | Mean | 2467 | 2135 | 0.008a |
| Median | 2000 | 2000 | ||
| SD | 1615 | 1197 | ||
| Willing to pay more than 4% of income for health insurance for better quality of care | Yes = 1 | 115 (35.9%) | 186 (58.1%) | 0.001b |
| No = 0 | 205 (64.1%) | 134 (41.9%) | ||
| Willing to pay more than 4% of income for health insurance for if the insurance allow choice of provider | Yes = 1 | 110 (34.4%) | 165 (51.6%) | .001b |
| No = 0 | 210 (65.6%) | 155 (48.4%) | ||
| Willing to pay more than 4% of income for health insurance for shorter waiting time | Yes = 1 | 131 (40.9%) | 179 (55.9%) | 0.001b |
| No = 0 | 189 (59.1%) | 141 (44.1%) | ||
| Willing to pay co‐payments per visit to the healthcare facility if the insurance premium could decrease from 4% per month of the income to 2% per month | Yes = 1 | 138 (43.1%) | 154 (48.1%) | 0.217b |
| No = 0 | 181 (56.6%) | 166 (51.9%) | ||
| Missing | 1 (0.3%) | ‐ | ||
| Willing to paying a higher premium, 6% instead of 4% of the income per month, in exchange for lower co‐payments | Yes = 1 | 62 (19.4%) | 130 (40.6%) | 0.001b |
| No = 0 | 256 (80.0%) | 190 (59.4%) | ||
| Missing | 2 (0.6%) | ‐ |
a
Independent t test.
b
Mann‐Whitney U test.
c
Exchange rate 1000 MMK = 0.81 USD (2015).