This research attempted to analyze the demand on health care insurance of informal worker in the northeastern region of
Thailand. The research data collect from 772 informal workers, which can be classified into 466 female and 308 male. The research results identify that average ages of respondents are 39 years with the average income at 5,887 Baht per month. Average household income is at 30,114 Baht per month. Most of them have average education degree at vocational education. They work on the average
of 60.52 hours per weeks.  According to health expenditure, the average health care expenditure are 7,614 Baht per year
per person. Within this amount, it can be divided into the health care expenditure for treating his own health from sickness with the average 2,256 Baht per year; health insurance cost around 2,609 Baht per year; life insurance about 2,363 Baht per year; accident insurance around 239 Baht per year; the health treatment for chronically disease around 147 Baht per year. Other health care expenditure for other family members are around 8,669 Baht per year. Informal worker mostly works as wage-earner accounts for 28.63%, following by
the workers who work at home, amounting for 19.56%; and self-employed or freelance about 19.3%.

The study on pattern of health insurance selection indicates that “Silver” health insurance plan is most popular. The next biggest
category is “Health Care” pattern. The analysis of demand on health care insurance of informal workers applies conjoint analysis to find out the demand on health care insurance. The results present the coverage of health insurance classifies into general sickness coverage and the coverage of health care that include accident and operation. The result shows that the coverage of health care that

include accident and operation is most selected with 26% of all occurrence situation from the total of all choice of 0.48. For the payment of health insurance, this separates into annual payment and every half year payment. Research results shows that annual payment is most popularly choose with 28%. Refer to insurance plan that can be classifies into buy health insurance only and buy health insurance with life insurance. It is interesting that most of informal workers choose to buy health insurance together with life insurance with 48%. Note to the payment for hospital room service, food and health care service, which are the coverage for outpatient cost, inpatient cost and the
coverage of both inpatient and outpatient cost. It concludes that the coverage of both inpatient and outpatient cost are most selected with 32%. Lastly, the rights of choosing insured hospital, that are, public hospital, private hospital and any hospital. Respondents express the result that they choose to insured with public hospital with high percentage of 27%.

Keyword : Micro Insurance, Health Insurance,Informal Worker, Informal Worker Welfare Arrangement.