Journal: Frontiers in Public Health
Article Title: Beyond coverage: why Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana struggles to deliver healthcare in Jammu and Kashmir
doi: 10.3389/fpubh.2026.1783458
Figure Lengend Snippet: Conceptual framework adapted from Andersen’s behavioral model of health services use illustrating the pathways through which predisposing, enabling, and administrative influence PM-JAY utilization in Jammu and Kashmir.
Article Snippet: The Pradhan Mantri Jan Arogya Yojana (PM-JAY) is a flagship public health insurance initiative in India designed to provide financial protection against catastrophic health expenditures for socioeconomically disadvantaged households.
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