Background
Substantial inequalities in access to quality health services and health outcomes persist between and within low- and middle-income countries (LMICs). Health system fragmentation is a barrier in advancing universal health coverage (UHC) in LMICs and addressing these inequalities. Health system fragmentation can be defined as the “division without explicit means of coordination” of functions (e.g., financing, provision) or agents (e.g., payers, providers) in a health system or its sub-system [1]. It can be further characterized by the existence of many non-integrated entities that operate without synergy and often in competition [1] and encompass a lack of coordination among organizations, functions, and governance systems [2‐4].
Fragmentation of health systems financing can be considered across six dimensions (Table 1) [1]. Specifically, these cover the number of different organizations, risk pooling mechanisms, groups of beneficiaries, benefits packages, combinations of premiums, and payment mechanisms in a health system, with increasing numbers considered indicative of higher system fragmentation. Fragmentation may undermine progress towards UHC as health system quality and efficiency can be compromised through multiple providers, diffuse governance arrangements, poor budgetary planning, misalignment of incentives, and duplication and mistargeting of services [5‐8]. It may also lead to imbalances in human resources distribution, medical errors associated with fragmented information flows, difficulty standardizing healthcare quality, increased administrative costs, and reduced bargaining power for purchasing [1]. Fragmentation can also contribute to health inequalities when different populations use different systems or financing arrangements with disparate levels of healthcare accessibility and quality [9‐14].
Table 1
Dimensions of health systems financing fragmentation
Dimension | Description |
|---|---|
Organizations | Different organizations offering health financing coverage or insurance to a significant portion of the population |
Risk pooling | Different mechanisms that pool or share health financing across population sub-groups and/or across financing organizations |
Eligibility | Different eligibility categories for beneficiaries |
Benefits | Different benefits packages offered by these organizations |
Premiums | Different contributions or premium levels offered by these organizations |
Payments | Different payers and payment mechanisms for major provider types |
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Despite the prevalence of health system fragmentation in LMICs and the growing understanding that countries ought to reduce fragmentation to achieve UHC [15], the available literature on the theme seems to be predominantly descriptive and to address the financing fragmentation domains separately, such as a proposed classification for pooling arrangements in health financing systems [16] or a proposed framework on core elements of setting a health benefits package [17]. Many previous reviews have synthesized aspects of the integration or coordination of the healthcare delivery [18‐35] or the patient outcomes associated with the fragmentation in the provision of specific health services [36‐38], while health financing aspects and whole system approaches are not often addressed. Considering non-overlapping previous contributions and the relevance of the topic, the objective of the systematic review described in this protocol will be to evaluate and synthesize the evidence concerning the impacts of health systems financing fragmentation in LMICs. It will specifically identify what measures and domains of financing fragmentation have been examined in the literature and investigate the impacts of financing fragmentation on health system goals [11].
Methods/design
The present review protocol is being reported in accordance with the guidelines of the Preferred Reporting Items for Systematic Reviews and Meta-Analyses Protocols (PRISMA-P) statement [39] (see PRISMA-P checklist in Additional file 1). This protocol has been registered in the international prospective register of systematic reviews (PROSPERO) under the registration number CRD42020201467 [40].
Eligibility criteria
The population, intervention, comparison, outcome, and study design (PICOS) framework is used to structure inclusion and exclusion criteria (Table 2). Eligible populations are any LMIC populations (see Additional file 2), with no age or demographic restrictions. Units of analysis may include patients, providers, insurers, geographical areas, health systems, or sub-systems. Eligible interventions are any relevant measure of health financing fragmentation, which can be generally defined as “the division, without explicit means of coordination, of various dimensions of the health financing and payment control knobs in a given country” [1]. The concept refers to the existence of several non-coordinated funding mechanisms and funding pools within a health system, thus limiting its redistributive capacity through income and risk cross-subsidies (e.g., many small insurance schemes operating under distinct funding pools, covering different populations, charging different premiums, and offering distinct benefits packages) [41, 42].
Table 2
Inclusion and exclusion criteria according to PICOS guidelines
Population | Inclusion: Studies conducted in LMICs. The list of eligible countries is provided in Additional file 2, following the World Bank classification of countries by income groups. Exclusion: Studies conducted in high-income countries. |
Intervention | Inclusion: Relevant measures of health financing fragmentation (e.g., risk pools, benefits packages, premiums, payment mechanisms to providers, and funding organizations in the health system). Exclusion: Measures not related to health systems fragmentation or concerning fragmentation in healthcare provision (e.g., fragmentation of care index, a metric of dispersion of medical visits across different providers). |
Comparison | Inclusion: Any relevant measure of financing fragmentation in alternative settings (i.e., intervention and control groups) or at alternative time points (e.g., before and after an intervention implementation). Exclusion: Studies with no comparator and a single data point |
Outcomes | Inclusion: The primary outcomes will be health system-related goals such as health outcomes (e.g., mortality, morbidity, patient-reported outcome measures) and indicators of access, services utilization, equity, and financial risk protection. Additional outcomes will include intermediate health system objectives (e.g., indicators of efficiency and quality). Exclusion: Outcomes not related to health systems’ goals. |
Study | Inclusion: Eligible designs are experimental (e.g., randomized controlled trials), quasi-experimental (e.g., interrupted time series, pretest-posttest, regression discontinuity, difference-in-difference, and propensity score matching analyses), or observational studies (e.g., cross-sectional studies, case-control, cohort studies). Included studies will be restricted to articles and working papers published in English, Portuguese, or Spanish and with free access to the full text. There are no date restrictions. Exclusion: Non-empirical, qualitative, or descriptive studies (e.g., editorials, experts’ opinions, meeting reports, news items, case series, case reports, case studies, interview-based studies). |
Based on the provided definition, indicators of financing fragmentation can include, but are not limited to, the presence, within the same health system or sub-system, of multiple organizations offering health insurance; multiple risk pool mechanisms for sharing health financing across population sub-groups; multiple eligibility categories for beneficiaries; multiple benefits packages offered to beneficiaries; multiple contributions or premium levels; and/or multiple payers and payment mechanisms for providers [1]. Studies with eligible comparators include those that measure fragmentation in alternative settings (e.g., countries, providers, or population groups) or at alternative time points (e.g., before and after changes) allowing quantification of differences in fragmentation and outcomes. Considering a health systems perspective, the primary outcomes for which data will be sought will be the health system-related goals of improved health outcomes and indicators of access, services utilization, equity, financial risk protection, and responsiveness. Additional outcomes will be the intermediate and instrumental objectives to the broad health systems’ goals, encompassing improved healthcare quality and efficiency in the delivery and organization of health services and the health system administration [43, 44]. The interpretation of outcome categories is provided in the following.
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Primary outcomes
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Health outcomes. Attributes that describe the consequences of disease or a change in an individual’s health status (e.g., mortality, morbidity, patient-reported outcome measures)
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Financial risk protection. Measures related to financial hardship from paying for health services (e.g., out-of-pocket health spending, catastrophic health expenditure)
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Access. Measures related to the availability and distribution of health services and healthcare resources for the population (e.g., the geographical density of specific services, percentage of births attended by skilled personnel)
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Services utilization. Measures such as the number of hospitalizations, medical visits, procedures, or exams performed
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Equity. Measures covering inequalities in healthcare access, treatment, or health outcomes across population groups, which can be defined socially, economically, demographically, or geographically
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Responsiveness. Measures related to the patients’ satisfaction and expectations towards the health system and health services
Additional outcomes
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Quality. Measures related to evidence-based practices and processes and patient safety indicators (e.g., hospital-acquired infections, medical error, preventable adverse event)
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Efficiency. Measures relating human, physical, or financial inputs employed with the outputs generated (e.g., health expenditure per capita, bed occupancy rate, the average length of stay, comparisons of costs, and outcomes for predefined episodes of care)
Information sources and search strategy
As a primary source of information, a literature search will be performed on multiple electronic databases (from their inception onwards): MEDLINE (Pubmed), EMBASE, Scopus, LILACS, CINAHL, ScienceDirect, SciELO, Cochrane Library, EconLit, and JSTOR. A secondary source of potentially relevant material will be a search on online libraries of relevant institutions (e.g., HMIC, The World Bank, WHO, PAHO, and OECD) and of gray or difficult to locate literature, such as OpenSIGLE and Google Scholar. Hand-search on the reference lists of included studies, relevant reviews, and policy documents will also be performed, and content experts and authors who are prolific in the field will be contacted. A comprehensive search strategy will be adopted, including a broad range of terms and keywords across four domains: (i) “fragmentation” and related phrases (e.g., “segmentation” and “non-coordination”), (ii) health system settings (e.g., “health” or “healthcare”), (iii) health financing aspects terms (e.g., “revenue collection”, “eligibility criteria”, “benefits packages”, “insurance coverage”, “risk pools”, “payment mechanisms”, “spending on health”), and (iv) terms related to LMICs, and the name of eligible countries. A draft search strategy for MEDLINE (Pubmed) is detailed in Additional file 3.
Screening and selection process
Title screening will be undertaken separately by two researchers using the Mendeley Software. All potentially relevant studies and records lacking information to determine eligibility (e.g., abstract not available) will be retained for further assessment. Abstract screening will be undertaken independently by two reviewers (MM and MC). Disagreements will be discussed and if no consensus is reached discrepancies will be resolved by a third reviewer (TH). One reviewer will undertake the full-text assessment (MM), and a second reviewer will check the assessment (MC). Disagreements will be discussed and resolved with a third reviewer (TH). A PRISMA flow chart showing details of studies included and excluded at each stage of the study selection process will be provided [45].
Data extraction
Data of selected studies will be extracted by one researcher (MM) and verified by a second researcher (MC). Data will be extracted into a spreadsheet using a designed data collection form. Exact data extraction will be further refined based on the types of studies identified, but key information to be extracted will include the following:
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Basic information (authors, year of publication, journal of publication, country)
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Administrative information (funding sources, ethical approval, conflicts of interest)
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Study objective and research question(s)
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Theoretical framework (when available)
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Health service or health system characteristics
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Study participants (e.g., number and characteristics) and sampling strategy
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Data sources
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Fragmentation definition (when available) and measured fragmentation domains
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Study design and analytical strategy
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Comparators
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Outcome measures and reported effect sizes
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Overall findings
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Key study assumptions and limitations
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Information related to the risk of bias domains and study quality (see the following)
Quality assessment
The risk of bias and quality of selected studies will be assessed using an appropriate tool selected following a review of included study designs. This may include an EPOC tool for applicable study designs (i.e., randomized trials, non-randomized trials, controlled before-after, and interrupted time-series studies) [46], or other published approaches such as ROBINS-I [47] or Newcastle-Ottawa Scale (NOS) [48]. One reviewer will conduct the quality assessment (MM) and a second researcher will review and highlight any discrepancies (MC). Disagreements will be resolved with a third reviewer (TH). Based on the risk of bias domains applicable to the selected designs, studies will be classified as having a low, high, or unclear risk of bias. The assessment of the overall strength of evidence will be assessed by the research team. Quality assessment will also take into account that a higher number of papers in an area that does not necessarily indicate greater strength of evidence, only where more work has been carried out.
Data analysis/synthesis
A meta-analysis will be carried out if included studies are sufficiently homogeneous. Risk ratio (RR) or odds ratio (OR) will be used to determine the intervention’s effect on dichotomous outcomes and mean differences will be used for continuous outcomes, considering a 95% confidence interval (CI). If feasible and appropriate, outcome data will be used to perform random-effects meta-analyses because heterogeneity is expected a priori. The random-effects model assumes the study-level effect estimates follow a normal distribution, considering both within-study and between-study variation.
If a substantial diversity of populations, research designs, comparators, and outcomes measures is observed among selected studies, precluding a quantitative synthesis, a systematic narrative synthesis will be employed to summarize and explain the characteristics and findings of selected studies. The Synthesis Without Meta-analysis (SWiM) guideline will be consulted to ensure transparent reporting of interventions through narrative synthesis [49]. A description and rationale will be provided for grouping studies for synthesis (e.g., according to study design, risk of bias level, intervention context, outcome types), aiming to minimize their methodological or conceptual diversity. Established metrics will be used to measure the direction and magnitude of interventions’ effect (e.g., RR, OR, risk differences, mean differences). Summary tables, figures, and structured narratives will be used to descriptively summarize and compare each included study and examine the heterogeneity across studies in a clear format. Taking into account the systematic review objective, to evaluate and synthesize the evidence concerning the impacts of health systems financing fragmentation in LMICs, we anticipate that tables will include key information regarding the interventions setting, the studies methodological characterization (e.g., study design and method, participants in the intervention, and control groups), and the domains of fragmentation addressed (e.g., risk pooling, benefits packages, premiums, eligibility categories).
To assess the presence of reporting bias, we will examine whether the selected studies have a Clinical Trial Register at the International Clinical Trials Registry Platform (ICTRP) of the World Health Organization (https://www.who.int/clinical-trials-registry-platform/unambiguous-trial-identification), a pre-registered protocol or statistical analysis plan published before the recruitment of participants into the study. The correspondence between planned and reported outcome measures, analyses, and sub-groups of participants will be examined.
Given that systematic review protocols are usually iterative documents and adjustments during the review process are possible, all relevant amendments to this protocol will be documented in detail, including the date, description, and rationale of each change.
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Confidence in cumulative evidence
The Grading of Recommendations Assessment, Development, and Evaluation (GRADE) system will be used to seek a transparent and structured approach for summarizing and rating the quality of evidence for each outcome presented in the systematic review [50]. Experimental designs start as high-quality evidence and observational designs as low-quality evidence in terms of supporting estimates of intervention effects, with additional factors possibly leading to the rating up or down the quality of evidence (e.g., risk of bias, consistency, directness, precision, publication bias, plausible confounding, large effect). The overall quality of evidence will be rated as high, moderate, low, or very low for a given outcome, according to the level of certainty and the likely impact of further research on the confidence of estimates of effect [51].
Discussion
This protocol represents an important starting point towards performing a systematic review to examine and synthesize the effects of financing fragmentation on health system goals in LMICs. Publishing the protocol before carrying out the systematic review allows a peer-review evaluation generally leading to quality improvements on the planned review [52]. The relevance of investigating the topic arises because, despite descriptive evidence suggesting that health financing is an important determinant of health system fragmentation and that fragmentation remains a challenge for LMICs in addressing inequalities, improving efficiency, and advancing in UHC, estimates of the impact of fragmentation on health system goals remain unclear [1‐4, 15, 16].
There are likely to be limitations at the study level that may lead to reduced internal and external validity in selected studies, such as the potential for confounding of the effect of the intervention, the risk of bias in the selection of participants into the study, and in the definition and classification of intervention and control groups, deviations from intended interventions and important co-interventions not balanced across comparison groups, bias due to missing data and to the outcome measurement, and selective reporting. In this regard, an appropriate tool will be applied to assess and report the limitations at the study level in a clear and standard format, according to the designs of selected studies [46‐48].
A potential drawback is the expected complexity of interventions tackling health system financing fragmentation, whereby diffuse or weak effects could be attributable to different policy designs regarding funding mechanisms, target population, benefits package offered, enrollment strategies, etc. Health system interventions not rarely cover both demand-side and supply-side components, and involve multiple stakeholders, and its impacts depend on users’ behaviors, in addition to the characteristics of the health system and the social, economic, and political context where the health system it is inserted. Objectives sought by health financing interventions may also not be fulfilled due to the influence of several market aspects, such as distribution and level of competition of health providers, the users’ demand by types of services, and the existence of regulation and information for users, among others. That is, besides being difficult to measure isolated effects of complex and multi-element interventions, the implementation of a similar intervention can vary from place to place, as well as the time for it to be truly integrated into a health system [41, 53, 54].
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There are also key limitations to the systematic review. The expected diversity of participants, designs, and outcomes pose challenges in synthesizing and generalizing findings. It is likely that many studies will be of low quality and suffer from methodological weaknesses given the LMIC focus and the research topic. A wide approach to searching for literature, including 17 electronic databases, will maximize the likelihood of capturing relevant studies, but there is the potential that relevant studies will be missed. Research biases may also occur, but these will be minimized by using two authors for screening, selection, quality assessment, and analysis of studies, and employing established tools for quality assessment.
The systematic review presented in this protocol will present the evidence base regarding the impacts of financing fragmentation in LMICs in a transparent and structured format, allowing identification of potential research gaps and methodological shortcomings. For researchers, the synthesis will provide an overview of the current state of knowledge in the topic, highlight methodological weaknesses of existing studies, and indicate where further research is needed. The findings might therefore help to steer further research and lay the groundwork for future empirical studies on the topic. For policymakers, the systematic review intends to outline areas for intervention and, by discussing potential pathways by which fragmentation impacts health system goals, to inform efforts to strengthen health systems and advance progress towards UHC.
Acknowledgements
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Declarations
Ethics approval and consent to participate
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Consent for publication
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Competing interests
The authors declare that they have no competing interests.
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