To read this content please select one of the options below:

The impact of insurance coverage on consumer utilization of health services: An exploratory study

Genevieve Elizabeth O'Connor (Department of Marketing, School of Business, Fordham University, New York, New York, United States)

International Journal of Bank Marketing

ISSN: 0265-2323

Article publication date: 18 May 2015




The purpose of this paper is to identify how need for service, enabling factors and pre-disposing characteristics influences access to service. In addition, the authors seek to examine the moderating influence of pre-disposing variables on the relationship between insurance and health services utilization.


The authors utilize data from a major metropolitan hospital in the USA to test and extend the behavioral model of health care.


Results indicate that insurance and pre-disposing variables have a direct impact on type of health service utilization. However, the insurance effect is found to vary by demographic factors.

Research limitations/implications

This paper is limited to secondary data. Future work can incorporate both attitudinal and behavioral measures to obtain a more comprehensive evaluation of services access.

Practical implications

The research offers a tactical framework for management to segment consumer markets more effectively.

Social implications

Through the framework, management will have the requisite knowledge to target segmented populations based on need, insurance, and pre-disposing variables which will help improve access to services and clinical outcome.


The findings of this paper will serve as a basis for future research exploring the influence of insurance on access to services.



O'Connor, G.E. (2015), "The impact of insurance coverage on consumer utilization of health services: An exploratory study", International Journal of Bank Marketing, Vol. 33 No. 3, pp. 276-297.



Emerald Group Publishing Limited

Copyright © 2015, Emerald Group Publishing Limited

Related articles