abstract: 'Expanding the coverage of health-care insurance is a tool toward

  achieving universal health coverage and reducing financial barriers to

  care. Therefore, understanding the factors that affect the expansion of

  health insurance is important for policymakers. The study aimed at

  assessing the variables that affected the decisions to purchase health

  insurance in Iran. We analyzed data gathered from a national survey of

  health-care utilization in Iran that covered over 23,000 households. We

  identified subsets of the data that represented purchasing decisions.

  Increase in age, education, income, wealth, and the opportunity of

  working in the governmental sector increased the probability of

  purchasing BHI and CHI coverage. Past utilization of inpatient and

  outpatient care increased the probability of purchasing BHI and CHI,

  respectively. Evidence of adverse selection and wide socioeconomic

  differences in insurance purchase decisions were observed throughout the

  study. However, most significant factors were not easily influenced by

  policy decisions. The findings suggest that it might be very difficult

  to achieve universal insurance coverage unless nation-wide nonvoluntary

  policies are implemented.'
affiliation: 'Rashidian, A (Corresponding Author), Tehran Univ Med Sci Hlth, Sch Publ
  Hlth, Dept Hlth Management \& Econ, Tehran, Iran.

  Nosratnejad, Shirin, Tabriz Univ Med Sci, Tabriz Hlth Serv Management Res Ctr, Sch
  Management \& Med Informat, Dept Hlth Serv Management,Iranian Ctr Excellence, Tabriz,
  Iran.

  Rashidian, Arash, Tehran Univ Med Sci Hlth, Sch Publ Hlth, Dept Hlth Management
  \& Econ, Tehran, Iran.

  Mehrara, Mohsen, Univ Tehran, Sch Econ, Dept Econ, Tehran, Iran.

  Jafari, Nahid, Minist Hlth \& Med Educ, Hlth Network Dev Ctr, Tehran, Iran.

  Moeeni, Maryam, Isfahan Univ Med Sci, Hlth Management \& Econ Res Ctr, Esfahan,
  Iran.

  Babamohamadi, Hassan, Semnan Univ Med Sci, Sch Nursing \& Allied Hlth, Dept Nursing,
  Semnan, Iran.'
author: Nosratnejad, Shirin and Rashidian, Arash and Mehrara, Mohsen and Jafari, Nahid
  and Moeeni, Maryam and Babamohamadi, Hassan
author-email: arashidian@tums.ac.ir
author_list:
- family: Nosratnejad
  given: Shirin
- family: Rashidian
  given: Arash
- family: Mehrara
  given: Mohsen
- family: Jafari
  given: Nahid
- family: Moeeni
  given: Maryam
- family: Babamohamadi
  given: Hassan
da: '2023-09-28'
doi: 10.1002/wmh3.187
files: []
issn: 1948-4682
journal: WORLD MEDICAL \& HEALTH POLICY
keywords: 'basic health insurance; complementary health insurance; Iran; national

  survey'
keywords-plus: WILLINGNESS-TO-PAY; UNIVERSAL HEALTH; COVERAGE; DEMAND; SECTOR
language: English
month: JUN
number: '2'
number-of-cited-references: '31'
orcid-numbers: 'Moeeni, Maryam/0000-0002-4525-6574

  Jafari, Nahid/0000-0002-5936-2191

  Babamohamadi, Hassan/0000-0003-3786-7348

  Rashidian, Arash/0000-0002-4005-5183'
pages: 179-196
papis_id: 9eb38ef7bfaf3359742d6bf988582677
ref: Nosratnejad2016factorsinfluencing
researcherid-numbers: 'Moeeni, Maryam/K-3589-2016

  Moeeni, Maryam/I-1344-2018

  Jafari, Nahid/O-4556-2019

  mehrara, mohsen/Y-3963-2019

  Rashidian, Arash/E-5061-2011

  Babamohamadi, Hassan/J-7002-2017

  '
times-cited: '7'
title: 'Factors Influencing Basic and Complementary Health Insurance Purchasing Decisions
  in Iran: Analysis of Data From a National Survey'
type: article
unique-id: WOS:000384644200005
usage-count-last-180-days: '0'
usage-count-since-2013: '11'
volume: '8'
web-of-science-categories: Public, Environmental \& Occupational Health
year: '2016'