Access to and use of health services are concerns in poor countries. If implemented correctly, health insurance may help solve these concerns. Due to selection and omitted variable bias, however, it is difficult to determine whether joining an insurance scheme improves medical care-seeking...

Access to and utilization of health services are concerns in poor countries. If implemented correctly, health insurance systems may help solve this challenge. However it is difficult to determine whether joining an insurance scheme improves medical care-seeking behaviors because of selection and...