PENGARUH KEPEMILIKAN JAMINAN KESEHATAN TERHADAP BELANJA KESEHATAN KATASTOPIK RUMAH TANGGA DI INDONESIA TAHUN 2012

Background: Indonesia's health development geared to achieve national health insurance scheme (JKN). However, funding of health in Indonesia is still dominated by domestic funding through out-of-pocket (OOP). Objective: Catastrophic health expenditure of households will disrupt household consumption and can lead to poverty. Using secondary data of the National Social Surveys 2 (Susenas) 2012, this study aims to prove health insurance ownership lowers catastrophic health expenditure of households in Indonesia in 2012. Methods: This study used a cross-sectional study design with models probit and bivariate probit. Results: The results found that the health insurance ownership lowers catastrophic health expenditure amounted 12.97% at the threshold 10% of total expenditure and amounted 18.42% at 20% of total non-food expenditure. Conclutions: Health insurance ownership provides protection for catastrophic health expenditure in Indonesia in 2012.