Asociación entre gastos de bolsillo de salud y pobreza utilizando datos de la Encuesta Permanente de Hogares en Paraguay en el 2014 / Association between out-of-pocket health expenses and poverty using data from the Permanent Household Survey in Paraguay in 2014

La cobertura y acceso universal de salud requiere de protección financiera, lo que puede evaluarse a través del gasto de bolsillo ante una enfermedad. El objetivo del trabajo fue analizar la asociación entre el gasto de bolsillo de salud y la pobreza en Paraguay. Se utilizó la Encuesta Permanente de Hogares del 2014 para determinar la razón entre gasto de bolsillo ante una enfermedad con los ingresos del hogar, con las transferencias estatales para pobres, con la canasta básica de consumo y de alimentos. Fueron incluidos 5.165 hogares de los cuales 21,49% eran pobres. Hubo gasto de bolsillo en el 45,19% de los hogares asociándose significativamente con la pobreza (OR: 1,8; IC95%: 1,57 a 2,06). El 1,99% de los hogares tuvo gasto de bolsillo mayor a 25% de sus ingresos y el 5,98% mayor a 10% de sus ingresos, ambos indicadores se asociaron significativamente con la pobreza (OR: 3,70; IC95%: 2,50 a 5,50 y OR: 3,04; IC95%: 2,40 a 2,06, respectivamente). Hubo empobrecimiento en el 1,44% de los hogares, y la brecha de la pobreza pasó de 34,58% a 37,67%. Entre los hogares pobres el gasto de bolsillo fue equivalente a 4,9 días de consumo, a 11,5 días de alimentación y a 42% del valor de transferencias estatales. Estos hallazgos reflejan una insuficiente protección financiera del sistema de salud en Paraguay

Universal health coverage and access requires financial protection, which can be assessed through out-of-pocket costs for illness. The objective of the study was to analyze the association between out-of-pocket health spending and poverty in Paraguay. The 2014 Permanent Household Survey was used to determine the ratio between out-of-pocket expenses for illness and household income, state transfers for the poor, and the basic consumption and food basket. Five thousand one hundred sixty five households were included, of which 21.49% were poor. There was out-of-pocket spending in 45.19% of the households, significantly associated with poverty (OR: 1.8; 95%CI: 1.57 to 2.06), 1.99% of households had out-of-pocket expenses greater than 25% of their income and 5.98% greater than 10% of their income, both indicators were significantly associated with poverty (OR: 3.70; 95%CI: 2.50 to 5.50 and OR: 3.04; 95%CI: 2.40 to 2.06, respectively). There was impoverishment in 1.44% of households, and the poverty gap went from 34.58% to 37.67%. Among poor households, out-of-pocket spending was equivalent to 4.9 days of consumption, 11.5 days of food, and 42% of the value of state transfers. These findings reflect insufficient financial protection for the health system in Paraguay

Análisis del gasto de bolsillo ante la enfermedad de personas de 60 y más años según su condición de pobreza en Paraguay

Introducción: Reducir la pobreza y lograr cobertura universal de salud con protección financiera para las personas de todas las edades son parte de los Objetivos de Desarrollo Sostenible. Objetivo: Determinar el gasto de bolsillo de salud (GBS) ante la enfermedad de personas de 60 y más años (≥ 60 años) y su incidencia económica en los hogares según su condición de pobreza en Paraguay. Material y Método: Se analizó la Encuesta Permanente de Hogares del 2014, considerando la definición oficial de pobreza y la referencia de enfermedad o accidente en un trimestre. Se calculó el promedio de GBS por hogar, la incidencia sobre el ingreso monetario trimestral (IM) y sobre los subsidios estatales por pensión alimentaria para adultos mayores (IPa). Resultados: De los 1.621.525 hogares del país 435.448 tenía al menos 1 persona ≥ 60 años, de los cuales 188.715 tenía al menos 1 de ellos enfermo o accidentado y 144.554 reportó GBS. Entre los hogares no pobres: 11,6% (IC 10,5 a 12,9) tuvo al menos 1 enfermo ≥ 60 años, de los cuales 75,8% (IC 71,2 a 79,8) tuvo GBS, siendo en promedio 547.931 Gs. (DE 58.251). Los medicamentos fueron 53,3% (IC 45,2 a 61,5) del total. La IM fue 5,7% (IC 4,6 a 6,9). Entre los hogares pobres: 11,6% (IC 9,6 a 14,0) tuvo al menos 1 enfermo ≥ 60 años, de los cuales 79,5% (IC 70,7 a 86,2) tuvo GBS, siendo en promedio 341.542 Gs. (DE 49.101). Los medicamentos fueron 71,3% (IC 61,9 a 80,7) del total. La IM fue 11,5% (IC 7,0 a 16,0), la IPa fue de 16,9% (IC 4,4 a 29,4). El GBS fue el equivalente a 19 días de alimentación en promedio (DE 3,71). Conclusión: Paraguay requiere de mayor protección financiera para adultos mayores mediante sinergias de las políticas de reducción de pobreza y de salud.

Introduction: Reducing poverty and achieving universal health coverage for people of all ages are part of the Sustainable Development Goal. Objective: determine the Out-of-pocket Health Expenditure (GBS) for people 60 and older (≥ 60 years) who are sick and its economic impact on households according to their poverty status in Paraguay. Material and Method: the 2014 Permanent Household Survey was analyzed, considering the official definition of poverty and the reference of illness or accident in a quarter. The average of GBS per household, the impact on quarterly monetary risk (IM) and on state subsidies for food pensions for the elderly (IPa). Results: Of 1,621,525 homes in the country 435,448 had at least 1 person 60 years, of which 188,715 had at least 1 of them ill or injured and 144,554 reported GBS. Among the non-poor households: 11.6% (IC 10.5 to 12.9) had at least 1 ill person ≥ 60 years, of which 75.8% (IC 71.2 to 79.8) had GBS, being on average 547,931 Gs. (DE 58,251). The medications were 53.3% (IC 45.2 to 61.5) from total. There was an IM of 5,7% (IC 4.6 to 6.9). Among the poor households: 11.6% (IC 9.6 to 14.0) had at least 1 ill person ≥ 60 years, of which 79.5% (IC 70.7 to 86,2) had GBS, being on average 341,542 Gs. (DE 40,101). The medications were 71.3 % (IC 61.9 to 80.7) from total. There was an IM of 11.5% (IC 7.0 to 16.0). There was an IPa of 16.9% (IC 4.4 to 29.4). The GBS was the equivalent to 19 days of feeding on average (DE 3.71). Conclusion: Paraguay requires more financial protection for older adults through synergies of poverty reduction and health policies.

Gastos empobrecedores de salud: un desafío para la cobertura universal de salud en el Paraguay / Impoverishing health expenditure: a challenge for universal health coverage in Paraguay

El gasto de bolsillo es la principal fuente de financiamiento del sistema de salud en Paraguay. Es necesario revertir esta situación para que la Cobertura Universal de Salud sea efectiva en 2030, un logro que forma parte de los Objetivos de Desarrollo Sostenible. El objetivo de este estudio fue determinar la incidencia del Gasto Empobrecedor en Salud en los hogares paraguayos. Tomó en cuenta aquellos hogares cuyos gastos de bolsillo causaron una caída por debajo de la línea de pobreza, así como los hogares que profundizaron su pobreza a causa de estos gastos de salud. Como material y método, el estudio analizó la Encuesta Permanente de Hogares 2014; tomó la definición de los gastos de bolsillo de la Organización Mundial de la Salud y la definición oficial de pobreza monetaria del país de la Dirección General de Estadísticas, Encuestas y Censos de la STP. El resultado es que 23,387 hogares fueron empujados por debajo de la línea de pobreza debido a gastos de bolsillo en caso de enfermedad. Esto representó el 1,8% de los hogares no pobres y el 1,4% del total de hogares. Además, el 61.9% de los hogares que ya se encontraban en situación de pobreza la empeoraron debido a los gastos de bolsillo en salud. La conclusión es que los hogares paraguayos están expuestos a gastos de salud excesivos y que se requieren políticas específicas para protegerlos. Las estrategias para combatir la pobreza pueden ser más efectivas cuando se consideran los gastos de salud en caso de una enfermedad o accidente.

Out-of-pocket spending is the main financing of the health system in Paraguay. Reversing this situation is necessary for the Universal Health Coverage to be effective in 2030, an achievement that is part of the Sustainable Development Goals. The objective of this study was to determine the incidence of Impoverishment health expenditure in Paraguayan households. I take into account those households whose out-of-pocket expenses caused a fall below the poverty line, as well as households that deepened their poverty as a cause of these health expenditures. As a material and method, the study analyzed the Permanent Household Survey 2014; took the definition of the outof- pocket expenses of the World Health Organization and the official definition of monetary poverty of the country of the General Directorate of Statistics, Surveys and Census of the STP. The result is that 23,387 households were pushed below the poverty line due to out-of-pocket expenses in case of illness. This represented 1.8% of non-poor households and 1.4% of total households. In addition, 61.9% of households already in poverty worsened their poverty due to out-of-pocket health expenditures. The conclusion is that Paraguayan households are exposed to excessive health expenditures and that specific policies are required to protect the population in the area. Strategies to combat poverty can be more effective when considering health expenditures in case of the event of an illness or accident.

Gasto catastrófico y cobertura universal de salud: Análisis en el Sistema Nacional de Salud del Paraguay / Catastrophic health expenditure and universal health coverage: Analysis in the National Health System of Paraguay

Introducción: La cobertura universal de salud es una meta de salud de los Objetivos del Desarrollo Sostenible de las NNUU para el 2030. Un componente de la cobertura en salud es la protección financiera para recibir atención médica ante una enfermedad. Y, un indicador de la protección financiera es la incidencia de Gastos Catastróficos por motivos de salud. Objetivo: El objetivo de este trabajo es describir la evolución del Gasto Catastrófico de salud de los hogares paraguayos entre el 2000 y el 2015. Materiales y Métodos: El material utilizado fue la Encuesta Permanente de Hogares de la DGEEC. El Gasto Catastrófico fue definido como aquellos gastos de bolsillo ≥ al 30% de la capacidad de pago de los hogares. Resultados: Los resultados indican que, durante ese periodo, la proporción de hogares afectados por gastos catastróficos varió entre 2,8% y 4,33%, siendo la mediana 4,10%. Los más afectados fueron los hogares rurales y los pobres. La proporción de hogares afectados presentó una tendencia al descenso, sobre todo para hogares urbanos y no pobres. Conclusión: La conclusión es que los hogares paraguayos están expuestos a gastos catastróficos por motivos de salud. La ocurrencia es mayor según las referidas características socioeconómicas. El desempeño actual del sistema nacional de salud no será suficiente para alcanzar la cobertura universal con protección financiera para todos. Por tanto, es necesario implementar nuevas políticas para la población más expuesta.

Introduction: Universal health coverage is a health goal of the UN Sustainable Development Goals by 2030. One component of health coverage is the financial protection to receive medical care for a disease. And, an indicator of financial protection is the incidence of Catastrophic Expenditures for health reasons. The objective of this paper is to describe the evolution of the Catastrophic Health Expenditure of Paraguayan households between 2000 and 2015. Materials and Methods: The material used was the Permanent Household Survey of the DGEEC. Catastrophic Expenditure was defined as those out-of-pocket expenses ≥ 30% of the household's payment capacity. Results: The results indicate that during this period, the proportion of households affected by catastrophic expenses ranged between 2.8% and 4.33%, with the median being 4.10%. Rural households and the poor were the most affected. The proportion of affected households showed a downward trend, especially for urban and non-poor households. Conclusion: In conclusion, Paraguayan households are exposed to catastrophic expenses for health reasons. The occurrence is greater according to the referred socioeconomic characteristics. The current performance of the national health system will not be enough to achieve universal coverage with financial protection for all. Therefore, it is necessary to implement new policies for the most exposed population.

Determinants of Out-of-Pocket and Catastrophic Health Expenditure: A Cross-sectional Study.

Background: In India, Out of Pocket Health Expenditures (OOPHE) is as high as 70-80% of total health expenditures, borne by the families of ailing persons. In most cases such high OOPHE is catastrophic in nature, in the backdrop of high poverty level in the country. High OOPHE and Catastrophic Health Expenditures (CHE) have a potential to impoverish people. It is therefore important to identify the predictors of OOPHE and CHE, to formulate an equitable and efficient financial protection measure from health expenditure. Methods: The study tried to understand the factors of out-of-pocket health expenditure and catastrophic health expenditure using the cross-sectional data from 986 sampled households in Koderma district of the state of Jharkhand in India. A multi-staged sampling method was followed to select households with incidences of in-patient care in the last one and child birth in the last two years and of out-patient care in the last one month. Alongside health expenditure data of the sampled households, their socio-demographic and socio-economic information were also collected using survey questionnaire. Findings: Male headed households, families with more than five members, household head who were unemployed or were engaged in agriculture or labour works as compared to those in service; household head aged above 60 years, households from higher expenditure quintiles, households with any member suffering from chronic illness, households reporting any episode of hospitalisation, in-patient or delivery services availed from private providers in the reference periods, families living closer to service providers especially private providers were significant predictors of high OOPHE. Residence in rural area (aOR: 1.65, 95% CI 1.10 - 2.49), families living in ‘kutcha’ (mud house) houses (aOR: 1.46, 95% CI 1.06 - 2.0), families with lower social status like Schedule Tribe (aOR: 1.76, 95% CI 1.0 – 3.13), Scheduled Caste (aOR: 1.73, 95% CI 1.02 - 2.92) and Other Backward Classes (aOR: 1.42, 95% CI 1.02 - 2.01) compared to General castes, families where any member suffering from chronic illness (aOR: 2.33, 99% CI 1.48 – 3.67), families where any member had received in-patient care in the last one year irrespective of type of providers (aOR: 2.18, 99% CI 1.60 - 2.97), longer distance from health service providers, had higher likelihood of CHE. Conclusion: The study tried to identify different predictors of Out of Pocket Health Expenditure (OOPHE) and Catastrophic Health Expenditure (CHE), incurred by families seeking medical care for various ailments. OOPHE was found higher among families from higher expenditure quintile; however, people from disadvantaged socio economic profile had higher likelihood of CHE. Apparently, even smaller OOPHE is proving to be catastrophic for families from lower socio-economic segments. Families with any member suffering from chronic illness were at a higher risk of CHE. OOPHE was considerably higher when services have been sought from private providers compared to public health providers, however, for in-patient care, expenditure incurred in both situations were found to be catastrophic. Urgent action is needed for designing healthcare finance policies that is more equitable and efficient and has a potential to reduce OOPHE and incidences of CHE.