Willingness to pay for supplementary medical insurance and its influencing factors among rural residents in ethnic minority areas

Bibliographic Data

ID22089090
AuthorsYao Li (0000-0002-1093-3301, School of Management, Xuzhou Medical University), Daiqing Cao (Xuzhou Medical College), Mingwei Zhu (0000-0002-4475-7561, Xuzhou Medical College), Lili Zhu (0000-0002-4210-6060, Xuzhou Medical College), Liang Shen (0000-0002-7211-2234, Xuzhou Medical College), Xiang He (0000-0003-1158-5633, Xuzhou Medical College, corresponding author)
Year2026
Volume14
Pages1733751-1733751
Publication date2026-03-04
Peer ReviewedYes
Open AccessYes
TypeARTICLE
VenueFrontiers in Public Health (JOURNAL)
Journal identifiersISSN: 2296-2565 • E-ISSN: 2296-2565
PublisherFrontiers Media SA (PUBLISHER • CH)
DOI10.3389/fpubh.2026.1733751
PMID41859256
OpenAlexW7133514890
LanguageEN
References cited30

Background: In recent years, the prices of medical services have been constantly rising, and supplementary medical insurance has become an important way for some residents to alleviate their heavy economic burden. Due to their special natural conditions and social environment, residents in rural areas of ethnic minorities face higher risks and costs in seeking medical treatment. Therefore, they have personalized demands for supplementary medical insurance. Therefore, studying the willingness of residents in rural areas of ethnic minorities to pay supplementary medical insurance and its influencing factors has important practical and policy significance. Methods: Data Collection: A questionnaire was designed based on the Andersen model, and a mixed sampling approach was employed to conduct offline surveys in the market areas of five towns in Tongdao County; concurrently, electronic questionnaires were distributed via social media applications. A total of 551 valid questionnaires were obtained. Data Analysis: Data were analyzed using SPSS. Descriptive statistics, hierarchical logistic regression, and multiple correspondence analysis were applied to examine how different factors influence willingness to pay among rural residents in ethnic minority areas. Results: < 0.05). Within the Andersen model framework, enabling resources exerted the strongest impact, whereas demand factors had the weakest. Furthermore, multiple correspondence analysis indicated that residents with payment experience, an annual household income between 100,000 and 150,000 yuan, and those employed in party, government, or public institutions were more willing to pay for supplementary medical insurance. Conclusion: All three categories of factors within the Andersen model framework significantly affected rural residents' willingness to pay in Tongdao County. A disconnect between willingness to pay and actual behavior concerning supplementary medical insurance was observed in the rural areas of Tongdao County. The construction and improvement of supplementary medical insurance in this context require joint efforts from all stakeholders to develop sustainably

Descriptive statistics · Ethnic group · Medical insurance · Multivariate analysis · Payment · Rural area · Rural health · Willingness to pay · Economic and Environmental Valuation · Health Systems, Economic Evaluations, Quality of Life · Healthcare Systems and Reforms

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