The Influence of Health Insurance Coverage on Healthcare Access, Catastrophic Health Expenditure, and Treatment Adherence among Jamaican Households: Evidence from the Jamaica Survey of Living Conditions

Universal health coverage (UHC) emphasises equitable access to essential health services without financial hardship and remains central to global health policy frameworks. Health insurance coverage is widely regarded as a principal mechanism for advancing financial risk protection and improving healthcare utilisation in middleincome settings. In Jamaica, limited nationally representative evidence exists assessing the independent association between insurance status and household-level health outcomes using consumption-based measures.