Predicting Health Insurance Policy Subscription Intention: An Empirical Study

Vincent Ekow Arkorful, Benjamin Kweku Lugub, Shuliang Zhao*

*Corresponding author for this work

Research output: Contribution to journalJournal articlepeer-review


Though health insurance policies remain critical to eliminating healthcare access barriers, population-wide subscription in Ghana however remains unsatisfactory. Therefore, this study, while employing a questionnaire survey to elicit data (n= 312) analyzed via the structural equation modeling technique, investigates individual health insurance subscription underpinnings using the theory of planned behavior. The results of data analysis affirmed attitude, subjective norm and perceived behavior control as positively related to health insurance subscription. Similarly, results further revealed personal norm and descriptive norm as significantly related to intention, testifying to individuals’ subscription as not anchored on a single factor, but rather on a confluence of behavior-driven elements. The current study, in addition to affirming the TPB’s predictive potency, also enriches health insurance research, and underscores the much often-disregarded behavior constituents as imperative to health policy design and implementation. In view of the study results, implications for augmenting subscription, and suggestions for further research are subsequently delineated.
Original languageEnglish
Pages (from-to)281-297
Number of pages17
JournalSocial Work in Public Health
Issue number4
Early online date8 Nov 2022
Publication statusPublished - 19 May 2023

Scopus Subject Areas

  • Health(social science)
  • Public Health, Environmental and Occupational Health
  • Health Policy

User-Defined Keywords

  • Ghana
  • Health and social policy
  • descriptive norm
  • health insurance
  • personal moral norm
  • theory of planned behavior


Dive into the research topics of 'Predicting Health Insurance Policy Subscription Intention: An Empirical Study'. Together they form a unique fingerprint.

Cite this