Latar Belakang: Penyandang disabilitas adalah populasi yang rentan akanmasalah kesehatan dan kemiskinan. Asuransi kesehatan sosial yangdikembangkan di berbagai negara termasuk Indonesia muncul sebagai solusiuntuk mengeliminasi hambatan finansial agar dapat memanfaatkan pelayanankesehatan. Namun, hal ini dinilai belum efektif bagi penyandang disabilitas karena mereka masih harus menghadapi banyak hambatan. Tujuan Penelitian: Mengidentifikasi pengaruh kepemilikan asuransi kesehatansosial terhadap pemanfaatan pelayanan kesehatan oleh penyandang disabilitasberdasarkan data Indonesia Family Life Survey (IFLS) 5. Metode Penelitian: Penelitian ini merupakan jenis penelitian kuantitatif dengandesain penelitian cross sectional. Data sekunder diambil dari IFLS 5 dengansubyek penelitian sebanyak 1.191 responden penyandang disabilitas yang kurangsehat. Variabel yang digunakan meliputi pemanfaatan pelayanan kesehatan,kepemilikan asuransi kesehatan sosial, status ekonomi, usia, jenis kelamin, statuspernikahan, riwayat penyakit kronis, biaya transportasi, dan waktu tempuh.Keseluruhan variabel tersebut diolah dengan metode univariabel, bivariabel, danmultivariabel. Hasil Penelitian: Sebanyak 86,6% penyandang disabilitas telah memiliki asuransi kesehatan sosial, namun 63,4% tidak memanfaatkan pelayanan kesehatan. Faktoryang mempengaruhi pemanfaatan pelayanan kesehatan oleh penyandang disabilitas adalah status ekonomi, jenis kelamin, riwayat penyakit kronis, biayatransportasi, dan waktu tempuh. Faktor yang mempengaruhi pemanfaatanpelayanan kesehatan oleh penyandang disabilitas miskin adalah keterjangkauanbiaya transportasi dan jenis kelamin. Kesimpulan: Kepemilikan asuransi kesehatan sosial belum efektif dalam meningkatkan pemanfaatan pelayanan kesehatan oleh penyandang disabilitas diIndonesia menurut data IFLS 5.

Introduction: People with disabilities are risk populations of health problems and poverty. Social Health Insurance which is developed in many countries, including Indonesia appears as solution to eliminate financial barriers to use health services. This program seems not effective for people with disabilities because they are still facing many barriers. Objective: To indentify the influence of social health insurance ownership to health service utilization among people with disabilities according to Indonesia Family Life Survey (IFLS) 5. Method: This is a quantitative research with cross sectional design. Data were taken from IFLS 5 with subjects as 1.191 respondents who had disabilities and poor health. Variables on this study were health service utilization, social health insurance ownership, economic status, age, gender, marital status, history of chronic diseases, transportation cost, and travel time. All those variables were analyzed using univariate, bivariate, and multivariate statistical methods. Results: As many 86,6% people with disabilities had already had social health insurance, but 63,4% of them did not use health service. Health service utilization among people with disabilities was influenced by economic status, gender, history of chronic diseases, transportation cost, and travel time. Health service utilization among poor people with disabilities was influenced by affordable transportation cost and gender. Conclusion: Social health insurance ownership had not been effective to increase health service utilization among people with disabilities according to Indonesia Family Life Survey (IFLS) 5.

Kata Kunci : asuransi kesehatan sosial, pelayanan kesehatan, penyandang disabilitas, social health insurance, health service, people with disabilities