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Abstract

Economically disadvantaged families often cannot pay for healthcare. Since Jaminan Kesehatan Nasional (JKN) was launched in 2014, the government expands subsidies for these families, identified based on consumption. However, this criterion would misclassify families with low purchasing power as economically advantaged because they have large consumption, financed through social assistance. This paper uses the income from the main job instead to determine families’ economic rank. Based on 35 percent of families with the lowest income, utilisation increases with insurance availability. Predictions using consumption as the gauge for economic rank are underestimated, up to 71 percent for inpatient services.

Bahasa Abstract

Masyarakat dengan status ekonomi rendah sering kali tidak mampu memenuhi kebutuhan kesehatannya. Sejak Jaminan Kesehatan Nasional (JKN) diluncurkan pada tahun 2014, Pemerintah memperluas subsidi iuran bagi keluarga tidak mampu yang diidentifikasi menurut nilai konsumsi. Masalahnya, kriteria ini akan mengategorikan keluarga tidak mampu sebagai mampu karena nilai konsumsi yang besar dibiayai oleh pihak lain. Sebagai alternatif, kajian ini menggolongkan keluarga berdasarkan besaran penghasilan yang didapatkan dari pekerjaan. Untuk 35 persen keluarga berpenghasilan terendah, probabilitas utilisasi ditemukan meningkat dengan ketersediaan jaminan kesehatan. Penggunaan besaran konsumsi sebagai acuan peringkat ekonomi terlalu kecil menafsir pengaruh kepesertaan jaminan kesehatan pada utilisasi, sampai sebanyak 71 persen pada pelayanan rawat inap.

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