Impact of ability and willingness to pay for health insurance in Indonesia

One way the community is financially protected from unforeseen health risks is through health insurance. The ability and willingness to pay for health insurance has been linked to improvements in public health, including better access to healthcare services, better public health, and financial protection from health risks, according to earlier research. Since 2014, Indonesia has had a government health insurance scheme under the National Health Insurance (JKN) program with the goal of enhancing community welfare and health access. However, despite the benefits provided by the JKN program, many people are still not registered and have not received benefits from the program. Recent studies have shown that high health insurance costs remain the main obstacle for people with low income to buy health insurance. The aim of this study was to identify the ability and willingness to pay for social insurance premiums in the framework of the National Health Insurance System. Utilizing the terms "impact of ability," "willingness," and "health insurance," the database search includes Google Scholar, ScienceDirect, and PubMed. The last step is to choose the articles that meet the criteria, which include being published between 2011 and 2022 and having the complete text accessible. The criteria for including 13 articles were met. According to the review's findings, the majority of publications link knowledge, income, how people view health care, and family support to health insurance payment compliance. Additionally, there are barriers and constraints affecting participation in National Health Insurance (NHI), such as registration procedures, benefits received, premiums, and private insurance ownership. There are several factors that affect compliance with health insurance payment, including knowledge, income, perception of health services, and family support.