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

Petro G. Nzowa (), Felix A. Nandonde and Somo M. L. Seimu
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Petro G. Nzowa: Moshi Co-operative University (MoCU)
Felix A. Nandonde: Sokoine University of Agriculture (SUA)
Somo M. L. Seimu: Moshi Co-operative University (MoCU)

DECISION: Official Journal of the Indian Institute of Management Calcutta, 2023, vol. 50, issue 3, No 5, 333-347

Abstract: 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.

Keywords: Co-operatives; Health insurance; Well-being; PLS-SEM; Expectations; Theory of dispositional optimism (search for similar items in EconPapers)
JEL-codes: H55 I13 I31 Q13 (search for similar items in EconPapers)
Date: 2023
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DOI: 10.1007/s40622-023-00362-z

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