authors
Feryal Salih Mahdi

abstract
This study examines the factors influencing health insurance coverage in Iraq, focusing on the governorates of Baghdad and Hilla. Despite the critical role of health insurance in providing financial protection against medical expenses, the adoption of health insurance in Iraq remains low. This research aims to identify the economic, social, cultural, and policy-related factors that affect individuals' decisions to purchase health insurance. A survey was conducted with 500 residents from Baghdad and Hilla, using a structured questionnaire to explore factors such as income levels, awareness, cultural attitudes, trust in insurance companies, and the impact of government policies. The results reveal that high premiums, low income, and limited awareness are the primary barriers to health insurance adoption. Cultural preferences for relying on family support and skepticism towards insurance companies further contribute to the low coverage rates. The study also highlights the potential role of government subsidies and public awareness campaigns in increasing health insurance enrollment. The findings offer valuable insights for policymakers, insurance providers, and healthcare authorities to enhance the accessibility and affordability of health insurance in Iraq.