Do household perceptions influence enrolment decisions into community-based health insurance schemes in Tanzania?

Abstract Background Several countries including Tanzania, have established voluntary non-profit insurance schemes, commonly known as community-based health schemes (CBHIs), that typically target rural populations and the informal sector. This paper considers importance of household perceptions towards CBHIs in Tanzania their role explaining enrolment decision households. Methods was a cross-sectional survey involved 722 households located Bahi Chamwino districts Dodoma region. A three-stage sampling procedure used, data were analyzed using both factor analysis (FA) principal component (PCA). Statistical tests such Bartlett’s test sphericity, Kaiser-Meyer-Olkin (KMO) for adequacy, Cronbach’s alpha internal consistency scale reliability performed to examine suitability PCA FA. Finally, multivariate logistic regressions run determine associations between identified factors status. Results The seven perception while FA four factors. quality healthcare services, preferences (social beliefs), accessibility scheme administration (convenience) most important by two methods. Multivariate showed from methods differed somewhat when considered independent predictors enrollment terms strength association (odds ratio) statistical significance (convenience), (beliefs), care services. However, age income only socio-demographic characteristics statistically significant. Conclusion Household found influence households’ decisions enroll CBHIs. Policymakers should recognize consider these designing policies programs aim increase into