Increasing Access: ASHIA Cracks the Code on Health Insurance for Anambra's Informal Sector


The Anambra State Health Insurance Agency (ASHIA) extends health coverage to Nigeria's hard-to-reach groups by embedding insurance premiums into weekly transport worker fees and partnering with cooperatives and trade unions for group enrollment. It also offers an “Adoption Model" that allows donors to sponsor vulnerable residents' coverage. With 235,000 active enrollees, ASHIA has dramatically reduced out-of-pocket healthcare spending from 92.1% to just 10% for those enrolled and has also significantly increased the number of people who seek coverage.

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