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

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Abstract

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.

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Authors and Affiliations

  1. Department of Banking Accounting and Finance (BAF), Faculty of Business and Information Sciences (FBIS), Moshi Co-operative University (MoCU), Moshi-Kilimanjaro, Tanzania

    Petro G. Nzowa

  2. Department of Business Management, School of Agricultural Economics and Business Studies (SAEBS), Sokoine University of Agriculture (SUA), Morogoro, Tanzania

    Felix A. Nandonde

  3. Department of Community Development and Gender (CDG), Faculty of Co-operative and Community Development (FCCD), Moshi Co-operative University (MoCU), Moshi-Kilimanjaro, Tanzania

    Somo M. L. Seimu

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  1. Petro G. Nzowa
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  2. Felix A. Nandonde
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  3. Somo M. L. Seimu
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PGN conceptualised and wrote this paper under the supervision and guidance of FAN and SMLS.

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Correspondence to Petro G. Nzowa.

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Nzowa, P.G., Nandonde, F.A. & Seimu, S.M.L. Participation in health insurance and changes in the well-being status of co-operative members in Tanzania. Decision 50, 333–347 (2023). https://doi.org/10.1007/s40622-023-00362-z

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