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A STUDY OF ABILITY TO PAY AND WILLINGNESS TO PAY OF NATIONAL HEALTH INSURANCE VOLUNTARYPARTICIPANT IN RURAL AREA

Background: Expansion of coverage for informal workers is still one problem in achieving universal health coverage. Independent participants non-PBI scheme is intended for people in the informal sector in National Health Insurance (JKN) era. The existence of adverse selection and delay in contributions payment by Independent participants non-PBI need to be solve in order to find the most appropriate model of contribution collection in informal sector. Objective: To analyze policies in prevention of adverse selection in JKN and identify potential health funding by informal sector in rural and urban communitiesin Banyumas. Method: Cross sectional design with structured qualitative approach conducted in populationof Independent participants non PBIwho delay in contribution payment at least 6 months, with a sample of 197 respondents. Results: There was potential health funding in informal workers in Banyumas. Ability to Pay (ATP) was greater than the amount of the contribution Class III (3,49 USD-7,35 USD). Willingness ToPay (WTP) was greater than the amount of the contribution Class III (2.00 USDUSD $ 2,57). ATP was greater than the WTP. Conclusions: It is necessary to create a policy to provide incentives to informal sector who able and willing to pay the JKN contributions regularly.