HEALTHCARE UTILIZATION PATTERNS AMONG THE UNINSURED PEOPLE IN JOS, PLATEAU STATE: IMPLICATIONS FOR HEALTH POLICY
Abstract
This study investigates healthcare utilization patterns among uninsured individuals in Jos, Plateau State, Nigeria. It aims to understand how the absence of health insurance influences access to medical services, frequency of hospital visits, and choice of healthcare providers. Using a cross-sectional research design, data were collected through structured questionnaires administered to selected respondents. The findings reveal that financial constraints significantly limit healthcare access, leading many individuals to rely on self-medication, traditional medicine, or delayed hospital visits. The study highlights critical gaps in healthcare accessibility and emphasizes the need for inclusive health insurance policies. Recommendations are provided to improve healthcare coverage and promote equitable health service utilization.
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