Participation in health insurance and changes in the well-being status of co-operative members in Tanzania

• Published in: Decision (Calcutta) 2023-09, Vol.50 (3), p.333-347
• Main Authors: Nzowa, Petro G., Nandonde, Felix A., Seimu, Somo M. L.
• Format: Article
• Language: English
• Subjects: Business and Management; Health care; Insurance coverage; Literature reviews; Management; National health insurance; Optimism; Participation; Research Article; Well being
• ISSN: 0304-0941; 2197-1722
• DOI: 10.1007/s40622-023-00362-z

This paper analyses the association between participating in health insurance and improvements in the well-being status of co-operative members. It is expected that individuals, co-operative members, in particular, participate in health insurance schemes with expectations of changing and improving various dimensions of well-being. The analyses using partial least squire structural equation modelling (PLS-SEM) revealed that participation in health insurance significantly positively impacts change in the well-being status of co-operative members. Further, confirming the Theory of Dispositional Optimism co-operative members’ expectations mediate the relationship between participation in health insurance and changes in their well-being status. The study also found that expectations levels positively moderate the relationship between health insurance participation and changes in co-operative members’ well-being status. These findings imply that co-operative members with higher positive expectations out of health insurance participation are in an advantageous position to make and allow positive decisions that positively impact their well-being.