An Impact of Ayushman Bharat Pradhan Mantri Jan Arogya Yojana on Out-of-pocket Expenditure, a Government-funded Health Insurance Scheme

India urgently requires a comprehensive healthcare system that is accessible to everybody. Due to budgetary constraints, the deprived population in India has difficulty gaining access to adequate medical treatment. One of the most prominent initiatives, the “Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana (AB-PMJAY),” is designed to cover the costs of persons receiving tertiary and secondary treatment. In 2018, the Indian government launched a program named “Ayushman Bharat- Pradhan Mantri Jan Arogya Yojana (AB PMJAY)” to improve access to healthcare. With insurance coverage of up to 0.5 million Indian Rupees per year, this program aims to ensure that those in need never have to choose between paying for medical treatment and meeting other basic needs. This study aims to determine how much of an effect the “Ayushman Bharat Pradhan Mantri Jan Arogya Yojana” has on people's out-of-pocket medical expenditures in the Ahmedabad area of Gujarat. To achieve these goals, the study employed both primary and secondary techniques of data collecting. The primary data was gathered through the use of a questionnaire, and a random sample method was employed to choose 350 respondents from the villages located in the Ahmedabad district. Data from secondary sources, such as government websites, newspapers, prior publications, and so on, were collected. According to the results, the "Ayushman Bharat Pradhan Mantri Jan Arogya Yojana" significantly impacts the beneficiaries' Out-of-Pocket Expenses.