Analysis of the determinants of Universal Health Coverage (UHC) adherence in Côte d'Ivoire: A multi-level analysis of household decisions
Keywords:
Factors, Individual, Contextual, Multilevel Logit, Universal Health InsuranceAbstract
This study analyzes the determinants of adherence to Universal Health Coverage (UHC) in Côte d'Ivoire, in a context where equitable access to care remains a major challenge. The data used come from the Harmonized Survey on Household Living Conditions (EHCVM 2021), providing a representative base of the population. The estimation of a multilevel Logit regression model highlights the influence of individual characteristics (gender, education, income, age) on the probability of universal health insurance coverage, as well as the constraining role of contextual factors such as the level of satisfaction with care and the distance from health centers, highlighting the importance of geographical accessibility and perceived quality on the likelihood of taking out insurance. The results suggest the need to target women through awareness-raising actions and contribution reductions, to adapt the offer to people with middle or high incomes by improving the quality of care.
References
Agyemang-Duah, W., Oduro, M. S., Peprah, P., et al. (2024). The Role of Gender in Health Insurance Adherence of Geriatric Caregivers: Results from the 2022 Ghana Informal Care, Health and Health Care Survey. BMC Public Health, 24, 1566.
Alesane, A., et al. (2018). Health Insurance Use by the Rural Poor in Ghana: Determinants and Policy Implications. Pan-African Medical Journal, 31(124). https://doi.org/10.11604/pamj.2018.31.124.16265
Andersen, R. M. (1995). Revisiting the behavioral model and access to medical care: Does it matter? Journal of Health and Social Behavior, 36(1), 1–10.
Antabe, R., Anfaara, F. W., Sano, Y., & Amoak, D. (2025). Ghana's National Health Insurance enrollment: Does the intersection of educational and residential status matter? PLoS ONE, 20(2), e0318202. https://doi.org/10.1371/journal.pone.0318202
Begna, O., Gemede, H. F., Motuma, A., et al. (2024). Willingness to join community-based health insurance and its associated factors among households in Nekemte City, Ethiopia: A community-based cross-sectional study. Journal of Health, Population and Nutrition, 43, 71.
Boudeville, J.-R. (1950). Problems of Spatial Distribution: An Essay on the Economy of Space. Paris: PUF.
Bousmah, M. A., Boyer, S., Lalou, R., & Ventelou, B. (2021). Reassessing the demand for community-based health insurance in rural Senegal: Geographic distance and awareness. SSM - Population Health, 16, 100974. https://doi.org/10.1016/j.ssmph.2021.100974
Bujitie, S. B., & Daud, Y. H. (2024). Factors that affect enrollment into a community-based health insurance scheme among households in Arba Minch Zuria District, Gamo Zone, Southern Ethiopia, 2023: A community-based unmatched case-control study. medRxiv.
Comoé, A. (2018). Demand for prenatal care in Côte d'Ivoire: A re-examination of the explanatory factors of household decision (Doctoral thesis, Alassane Ouattara University of Bouaké).
Ezzrari, A., Mouhsini, F. Z., Mouttaki, O., & Zins, A. (2022). Moroccan households' differentiated access to healthcare: Which factors dominate? Revue Réflexions Économiques, (2), 56–66.
Dake, F. A. A. (2018). Equity in Health Coverage Review: An Analysis of Ghana's National Health Insurance Scheme. International Journal for Equity in Health, 17, 85.
Diallo, M. A. (2023). Universal health coverage in Senegal: When socioeconomic factors explain the membership and use of mutual health insurance in Ziguinchor (Senegal). African Journal of Social Sciences and Public Health, 5(1), 1–11.
Duku, S. K. O. (2018). Differences in the determinants of health insurance uptake among working-age adults in two regions of Ghana. BMC Health Services Research, 18, 384.
Dussault, G., Dubois, C. A., & Fournier, P. (2006). Human resources for health policies: A critical component in health policies. Human Resources for Health, 4, Article 20.
Ehrlich, I., & Becker, G. S. (1972). Market insurance, self-insurance, and self-protection. Journal of Political Economy, 80(4), 623–648.
Fenny, A. P., Kusi, A., Arhinful, D. K., & Asante, F. A. (2016). Factors Contributing to Low Uptake and Low Renewal of Health Insurance: A Qualitative Study in Ghana. Global Health Research and Policy, 1, 18.
Grossman, M. (1972). On the concept of health capital and the demand for health. Journal of Political Economy, 80(2), 223–255.
Ikwara, E. A., Humphrey, A., & Ritah, A. (2024). Coverage and factors associated with health insurance use among women in reproductive health: Overview of the Tanzania Demographic Health Survey 2022. Quantitative study. Journal of Health Research Students in Africa, 5(3), 11.
Leyland, A. H., & Groenewegen, P. P. (2020). Multilevel modelling for public health and health services research: Health in context. Springer Nature.
Musango, L., & Noua, H. (2010). Health Financing and Health Risk Coverage in Africa.
Nageso, D., Tefera, K., & Gutema, K. (2020). Enrolment in a community-based health insurance program and associated factors among households in Boricha district, Sidama zone, southern Ethiopia: A cross-sectional study. PLoS ONE, 15, e0234028.
Quartey, T., Peprah, C., & Morgan, A. K. (2023). Determinants of national health insurance enrollment among people at risk of statelessness in Awutu Senya East Municipality and Gomoa East District in Ghana. BMC Health Services Research, 23, 153.
Robinson, S. (1989). Multisectoral models. In Handbook of Development Economics (Vol. 2, pp. 885–947).
Salari, P., Akweongo, P., Aikins, M., & Tediosi, F. (2019). Determinants of health insurance enrolment in Ghana: Evidence from three national household surveys. Health Policy and Planning, 34(8), 582–594. https://doi.org/10.1093/heapol/czz079
Seck, I., Sagna, O., Leye, M.-M., & Dia, A.-T. (2017). Determinants of membership and loyalty to mutual health insurance companies in the Ziguinchor region (Senegal). Public Health, 29(1), 105–114.
Topan, G. J., Thiombiano, N., & Sarambe, I. (2024). Determinants of households' willingness to pay for health insurance in Burkina Faso. Health Economics Review, 14, 93.
Zegeye, B., Idriss-Wheeler, D., Ahinkorah, B. O., et al. (2023). Association between women's decision-making autonomy within the household and their adherence to health insurance in sub-Saharan Africa. BMC Public Health, 23, 610.
Published
How to Cite
Issue
Section
Copyright (c) 2025 Sylvain N'guessan, Anzoumana Comoe, Sandrine Amoin Konan

This work is licensed under a Creative Commons Attribution 4.0 International License.
Allows users to: distribute and copy the article; create extracts, abstracts, and other revised versions, adaptations or derivative works of or from an article (such as a translation); include in a collective work (such as an anthology); and text or data mine the article. These uses are permitted even for commercial purposes, provided the user: gives appropriate credit to the author(s) (with a link to the formal publication through the relevant URL ID); includes a link to the license; indicates if changes were made; and does not represent the author(s) as endorsing the adaptation of the article or modify the article in such a way as to damage the authors' honor or reputation. CC BY



