Determinants of compliance with contribution payment of JKN mandiri participants in the bantimurung health center working area
DOI:
https://doi.org/10.61099/jakespol.v1i4.543Keywords:
health insurance, income, knowledge, patient compliance, social securityAbstract
Introduction: Premium payment compliance is essential for maintaining the financial sustainability and continuity of Indonesia’s National Health Insurance (JKN), particularly among self-employed participants who are responsible for paying contributions independently. Non-compliance may lead to inactive membership and disrupted access to healthcare. This study aimed to identify factors associated with premium payment compliance among active independent JKN participants in the working area of Bantimurung Community Health Center.
Methods: An observational analytic study with a cross-sectional design was conducted among 93 Non-Wage Recipient Workers (PBPU) selected from a population of 1,288 participants using purposive sampling. Data were collected using a structured questionnaire. Descriptive analysis was used to summarize participant characteristics, while bivariate associations were examined using the Chi-square test at a significance level of α = 0.05. Crude odds ratios (ORs) and 95% confidence intervals (CIs) were calculated from the reported 2×2 contingency tables.
Results: Overall, 72 respondents (77.4%) were compliant with JKN premium payments. Participants with good knowledge had higher odds of payment compliance than those with poorer knowledge (OR = 3.76; 95% CI: 1.34–10.52; p = 0.009). High-income participants were more likely to comply with premium payments than low-income participants (OR = 4.75; 95% CI: 1.02–22.10; p = 0.032). Participants with fewer family dependents also had higher odds of compliance compared with those with more dependents (OR = 2.88; 95% CI: 1.05–7.84; p = 0.035).
Conclusion: Knowledge, income, and family dependency burden were significantly associated with JKN premium payment compliance. Strengthening participant education, payment reminders, and socioeconomic-sensitive payment strategies may improve contribution continuity and support JKN sustainability.
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