Impact of Ethiopia's Community Based Health Insurance on Household Economic Welfare
利用三轮家庭调查数据，评估埃塞俄比亚社区健康保险对家庭消费、收入、借贷和牲畜持有的影响，发现参保使借贷概率下降13%，收入增加，但对消费和牲畜持有无显著影响。
In 2011, in an attempt to increase access to health care and reduce household vulnerability to out-of-pocket health expenditure, the Government of Ethiopia launched a Community-Based Health Insurance Scheme (CBHI). This paper uses three rounds of household survey data, collected before and after the introduction of the CBHI pilot, to assess the impact of the scheme on household consumption, income, indebtedness, and livestock holdings. We find that enrollment leads to a 5 percentage point—or 13%—decline in the probability of borrowing and is associated with an increase in household income. There is no evidence that enrolling in the scheme affects consumption or livestock holdings. Our results show that the scheme reduces reliance on potentially harmful coping responses such as borrowing. This paper adds to the relatively small body of work that rigorously evaluates the impact of CBHI schemes on economic welfare.