Household Expenditures And Direct Medical Costs Among Older Adults In Ghana: Evidence From Who-sage Wave 2
Abstract Background: The Ghanaian population aged 60 years and older will almost double to reach 10% of the total population by 2050. Ascertaining the pattern of health expenditures among this growing population group is important to inform policy makers about the targets for financial risk protection as part of achieving Universal Health Coverage (UHC) by 2030. This study aimed to estimate household expenditures among older adults and determine the direct medical costs.Methods : The World Health Organization's Study on global AGEing and adult health (SAGE) Wave 2 was conducted in China, Ghana, India, Mexico, Russian Federation, and South Africa between 2014 and 2015, as a follow-up to Wave 0 in 2003 to 2004 and Wave 1 in 2007 to 2010. Survey questions explored sources of income and total direct expenditures in the year preceding interview. SAGE Ghana was implemented using face-to-face interviews in a nationally representative sample of persons aged 50+ years with a comparison sample of younger adults aged 18–49 years.Findings : Analyses included a total of 4,735 participants, with 1,948 (41.1%) males and 2,787 (58.9%) females, of median and mean ages of 58 years and 57.6 (±16.7), respectively. The average annual household expenditures were US$ 1,893.44 (±3,501.14). Older adults had higher expenditure levels at US$ 1,902 (± 3,876), as compared to younger adults, US$ 1,867 (±1,937). Direct health-related costs and food expenditure accounted for 18% and 46% respectively of the total household expenditure of older Ghanaian adults. The prevalence of catastrophic health expenditure among older adults in Ghana was 4.5% (95% CI 3.5% to 5.8%)Conclusion: These updated estimates on household expenditure among older adults provide needed evidence to support the inclusion of social protection mechanisms in the national ageing agenda. The National Health Insurance as presently did not reduce the financial burden for households with older adults.