Kata kunci: Out-of-pocket health expenditure, asuransi kesehatan, kemiskinan, Universal Health Coverage (UHC)......Nowadays, people are becoming more aware of the importance of having access to healthcare. Unfortunately, healthcare costs are getting more expensive due to medical inflation, which is generally higher than economic inflation. Having out-of-pocket health expenditures is driving some people to be in poverty. However, some findings find that increasing coverage of health insurance might contribute to poverty reduction. This study aims to study the effect of out-of-pocket (OOP) health expenditures and health insurance ownership on poverty in Indonesia, focusing on its correlation. Moreover, this study aims to analyze the strengths, weaknesses, opportunities, and threats of health insurance companies in achieving 100% coverage and contributing to UHC (Universal Health Coverage). For the analysis, this study adopts quantitative and qualitative study. Quantitative analysis uses data from Susenas 2019-2021 and methodology Logistic regression. Qualitative analysis uses primary research using in-depth interviews and consumer surveys. The study found that OOP health expenditure and poverty have a negative correlation, which means a decrease in OOP health expenditure is not significant in reducing poverty because those who have higher OOP health expenditure are the non-poor. This study also found that health insurance ownership and poverty have a negative correlation, which means it is proven that owning health insurance is significant in reducing poverty. This shows that it is important for Indonesia to reach 100% health insurance coverage to ensure all people are covered with basic necessary healthcare access.
Keywords: Out-of-pocket health expenditure, health insurance, poverty, Universal Health Coverage (UHC)"
