SHUBHAM NARESH BHOIR. Healthcare Affordability and Service Utilization: An Empirical Assessment of Consumer Perspectives. International journal of business and management sciences, [S. l.], v. 6, n. 11, p. 1–9, 2026. DOI: 10.55640/ijbms-06-11-01. Disponível em: https://www.academicpublishers.org/journals/index.php/ijbms/article/view/13782.. Acesso em: 12 nov. 2026.