Background: Health burden in developing countries is worsened by the limited coverage of health insurance. This leaves out-of-pocket spending as the major means of healthcare financing in these countries. Rural households in Nigerian suffer constrained access to quality healthcare, do not benefit significantly from health insurance and constitute about two thirds of the country’s poor. This study investigates how these households cope with health shocks and the influence of their socioeconomic status on the coping strategies.
Method: Using a representative sample of 600 households from the three senatorial zones of Enugu State, Nigeria, data for the study was collected via an interviewer-administered questionnaire. Frequency, cross-tabulation, chi square and multiple regression statistical techniques were employed for data analysis.
Findings: About 53% of the respondents were male household heads while borrowing from friends (47.65%), sales of assets (43.85%), diversion of funds meant for other activities (2.00%) and cutting down on household expenditure (6.48%) were the main coping strategies. Education level of household head, occupation, and income were statistically found to influence the coping strategies (P < 0.005) and they jointly accounted for 26.5% (R2 = 0.265, P < 0.001) of the variations in coping strategies in the study area.
Conclusion: Having a rural healthcare policy and mainstreaming the informal sector, where the bulk of the poor eke a living, into the national health insurance scheme will ameliorate health shocks among the rural poor.
Keywords: Health Shocks, Coping Strategies, Socioeconomic Status, Rural Households, Healthcare Expenditure, Enugu State, Nigeria