Health Insurance and Household Savings

Sara Loukili and Patti Fisher
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Patti Fisher: Virginia Tech University

No 27, Document de travail from Bank Al-Maghrib, Département de la Recherche

Abstract: This study examines the relationship between health insurance coverage and household saving behavior in Morocco using nationally representative data from the household consumption and expenditure survey. The analysis reveals that access to health insurance is associated with reduced household savings, particularly among vulnerable groups including low-income families, rural households, and female-headed households. These findings suggest that health insurance may crowd-out precautionary savings, which may be of interest in the context of ongoing social protection and financial inclusion discussions. This research contributes to understanding how expanding health coverage influences household financial decision-making in the context of a developing country such as Morocco and opens many avenues for future research.

Keywords: Household savings; Health insurance; Morocco; Social protection; AMO (search for similar items in EconPapers)
JEL-codes: D12 D14 D91 E21 I13 (search for similar items in EconPapers)
Pages: 23
Date: 2025-10-20
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https://www.bkam.ma/en/Publications-and-research/Research2/Working-paper/2025
s.loukili@bkam.ma

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Persistent link: https://EconPapers.repec.org/RePEc:ris:bkamdt:023111

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