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Health Insurance and Household Savings

Author

Listed:
  • Sara Loukili

    (Babnk Al--Maghrib)

  • Patti Fisher

    (Virginia Tech University)

Abstract

This study examines the relationship between health insurance coverage and household saving behavior in Morocco using nationally representative data from the household consumption and expenditure survey. The analysis reveals that access to health insurance is associated with reduced household savings, particularly among vulnerable groups including low-income families, rural households, and female-headed households. These findings suggest that health insurance may crowd-out precautionary savings, which may be of interest in the context of ongoing social protection and financial inclusion discussions. This research contributes to understanding how expanding health coverage influences household financial decision-making in the context of a developing country such as Morocco and opens many avenues for future research.

Suggested Citation

  • Sara Loukili & Patti Fisher, 2025. "Health Insurance and Household Savings," Document de travail 27, Bank Al-Maghrib, Département de la Recherche.
    • Handle: RePEc:ris:bkamdt:023111
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    File URL: https://www.bkam.ma/en/Publications-and-research/Research2/Working-paper/2025
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    More about this item

    Keywords

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    JEL classification:

    • D12 - Microeconomics - - Household Behavior - - - Consumer Economics: Empirical Analysis
    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance
    • D91 - Microeconomics - - Micro-Based Behavioral Economics - - - Role and Effects of Psychological, Emotional, Social, and Cognitive Factors on Decision Making
    • E21 - Macroeconomics and Monetary Economics - - Consumption, Saving, Production, Employment, and Investment - - - Consumption; Saving; Wealth
    • I13 - Health, Education, and Welfare - - Health - - - Health Insurance, Public and Private

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