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A study in Economic & Political Weekly<\/a> by Mamta\u202fChaudhary, Prakash\u202fBabu\u202fKodali, and T\u202fSundararaman assesses publicly funded health insurance (PFHI) schemes in India using nationally representative data from the 2022\u201323 Household Consumption Expenditure Survey<\/a> (HCES)<\/span>. It examines enrolment levels, utilisation patterns, and the schemes\u2019 effectiveness in reducing out-of-pocket expenditure (OOPE) and catastrophic health expenditure (CHE) after four years of PM-JAY rollout. While enrolment has notably increased, with over 60% of hospitalisations among insured households occurring in the public sector, effective coverage remains limited: only around 25% of households report awareness or enrolment, and just 35% are able to use benefits due to systemic barriers<\/span>.<\/p>\n Despite higher healthcare utilisation, the study found no clear evidence<\/strong> that PFHI provided robust financial protection. Insured households incurred higher OOPE<\/strong> in both public and private hospitals, and CHE rates remained substantial, particularly for private-sector care<\/span>. The authors call for stronger implementation frameworks, bolstered public-sector capacity, and more rigorous research, especially to evaluate PM-JAY\u2019s long-term impact and explore barriers to achieving universal financial protection.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":" A study in Economic & Political Weekly by Mamta\u202fChaudhary, Prakash\u202fBabu\u202fKodali, and T\u202fSundararaman assesses publicly funded health insurance (PFHI) schemes in India using nationally representative data from the 2022\u201323 Household Consumption Expenditure Survey (HCES). It examines enrolment levels, utilisation patterns, and the schemes\u2019 effectiveness in reducing out-of-pocket expenditure (OOPE) and catastrophic health expenditure (CHE) after four…<\/p>\n","protected":false},"author":559,"featured_media":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":""},"categories":[],"tags":[134],"document_type":[2337],"acf":[],"_links":{"self":[{"href":"https:\/\/p4h.world\/en\/wp-json\/wp\/v2\/documents\/987773412"}],"collection":[{"href":"https:\/\/p4h.world\/en\/wp-json\/wp\/v2\/documents"}],"about":[{"href":"https:\/\/p4h.world\/en\/wp-json\/wp\/v2\/types\/documents"}],"author":[{"embeddable":true,"href":"https:\/\/p4h.world\/en\/wp-json\/wp\/v2\/users\/559"}],"replies":[{"embeddable":true,"href":"https:\/\/p4h.world\/en\/wp-json\/wp\/v2\/comments?post=987773412"}],"version-history":[{"count":4,"href":"https:\/\/p4h.world\/en\/wp-json\/wp\/v2\/documents\/987773412\/revisions"}],"predecessor-version":[{"id":987773426,"href":"https:\/\/p4h.world\/en\/wp-json\/wp\/v2\/documents\/987773412\/revisions\/987773426"}],"wp:attachment":[{"href":"https:\/\/p4h.world\/en\/wp-json\/wp\/v2\/media?parent=987773412"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/p4h.world\/en\/wp-json\/wp\/v2\/categories?post=987773412"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/p4h.world\/en\/wp-json\/wp\/v2\/tags?post=987773412"},{"taxonomy":"document_type","embeddable":true,"href":"https:\/\/p4h.world\/en\/wp-json\/wp\/v2\/document_type?post=987773412"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}