Analysis of factors affecting willingness to pay in informal jobs in Isfahan using the Tobit method
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Subject Areas : Bi-quarterly Journal of development economics and planning
mansour asgari 1 , مصطفی رجبی 2 * , شهرام توفیقی 3 , مریم شریف دوست 4
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2 - استادیار گروه اقتصاد، دانشگاه آزاد اسلامی، واحد خمینی شهر، اصفهان، ایران
3 - مرکز تحقیقات مدیریت سلامت، دانشگاه علوم پزشکی بقیه ا… (عج)، تهران ،ایران
4 - هیات علمی
Keywords: Health insurance, informal jobs, willingness to pay, health economics, contingent valuation method, Tobit model, rank probit model,
Abstract :
The aim of this study is to assess the willingness to pay for the promotion of health insurance coverage among informal workers in Isfahan. Using the conditional valuation method and the Tobit model, . Using the Krejci-Morgan formula, and considering the size of the target population, the final sample size was analyzed as 389 respondents without social security insurance and covered by public health insurance. One of the most widely used methods for measuring WTP is the conditional valuation method. In this method, respondents are asked to state the amount of money they are willing to pay to receive a specific service in a hypothetical scenario. After designing the questionnaire, the reliability and validity were validated using the open-ended test and Basel index methods, respectively. The questionnaire was completed using the two-dimensional dual method and at the end, an open-ended question was used. Stata17 software was used to estimate the Tobit model and SPSS was used for descriptive statistics and validation of the questionnaire.
The results showed that a significant percentage of individuals were willing to pay more than the current subsidy level to benefit from broader services, including easier access to private health centers and the elimination of the referral system requirement. Variables such as income, age, health expenditures, and household size had a significant effect on willingness to pay. The findings emphasize the need to design flexible and participatory insurance packages for informally employed groups.
فهرست منابع:
سازمان بیمه سلامت ایران، گزارش عملکرد سالانه ۱۴۰۰
مرکز آمار ایران، گزارش اشتغال رسمی و غیررسمی سال ۱۳۹۹
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