e-ISSN 2598-3849       print ISSN 2527-8878

Vol 5, No 1 (2020)

Ex Ante Moral Hazard Pada Sistem Jaminan Kesehatan Nasional (JKN) di Indonesia

Fajar Nurhaditia Putra



Penelitian ini memberikan kontribusi berupa studi empiris ex ante moral hazard pada Sistem Jaminan Kesehatan Nasional (JKN) di Indonesia. Kami menemukan bahwa kepemilikan Program JKN memiliki hubungan negatif dengan aktivitas fisik dan hubungan positif dengan pengeluran rokok individu. Selanjutnya dengan menghitung efek marginal kami mendapatkan bahwa Program JKN mengurangi probabilitas individu untuk melakukan aktivitas fisik sebesar 2.7% dan mengurangi intensitas melakukan aktivitas fisik. Program JKN juga ditemukan berhubungan positif pengeluaran rokok individu bagi perokok. Hasil analisis menyatakan bahwa ada indikasi terjadinya ex ante moral hazard pada Program JKN karena terdapat hubungan yang positif antara kepemilikan JKN dan probabilitas individu melakukan perilaku kesehatan berisiko seperti aktivitas fisik dan perilaku merokok.


This paper contributes to the empirical evidence of ex ante moral hazard on the National Health Insurance System (NHIS) in Indonesia. We find that JKN participation has a negative relationship with physical activity and positive relationship with smoking spending. Furthermore, by calculating marginal effect we obtained that JKN participation reduce the probability of physical activity by 2.7% and also reduce the intensity of individual physical activity. For the smoker, JKN Participation is expected increase in their spending for smoking. The result indicates that there is an evidence of ex ante moral hazard since there is a positive relationship between JKN participation and risky health behaviors such as physical activity and smoking behavior.


Ex ante moral hazard; Jaminan Kesehatan Nasional; Perilaku kesehatan berisiko


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DOI: 10.7454/eki.v5i1.3768


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