ArticleFrontiers in public health2026
Beyond coverage: why Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana struggles to deliver healthcare in Jammu and Kashmir.
Article in Frontiers in public health, 2026. The graph could read no effect estimate from its abstract, so it casts no vote on the map. Not yet cited in PubMed.
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Abstract
Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana (PM-JAY), the biggest publicly financed health insurance program in the world, has substantial use issues, especially in places like Jammu and Kashmir that are affected by conflict. Despite the program's goal of ensuring equal and cashless access to healthcare, the existing literature does not offer region-specific insights into the actual obstacles preventing its adoption. This study intends to identify and measure the physical, administrative, financial, and informational hurdles experiences by the beneficiaries in the urban and semi-rural areas of Jammu and Kashmir face when utilizing PM-JAY. Primary data was gathered through structured interviews with 320 randomly chosen PM-JAY recipients using a cross-sectional approach. To evaluate the relative effects of various obstacles on scheme use, the study used binary logistic regression, chi-square tests, Pearson correlation, and descriptive statistics. Despite being enrolled, only 48.4% of enrollees reported accessing PM-JAY services. The most significant positive predictors of usage were health literacy and awareness gaps, notably knowledge of empanelled hospital lists (OR = 1.245,
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