It's common knowledge that having health insurance is important to avoid financial strain when accessing healthcare.

However, despite Nigeria's National Health Insurance Scheme (NHIS) launching in 2005, only 59% of Nigerians are covered, with 70% still relying on Out-of-Pocket (OOP) expenses for healthcare!

Adding to the challenge is the mutual distrust between health maintenance organizations (HMOs) and healthcare providers, leading to a breakdown in cooperation. Some HMOs consistently fail to meet their obligations, further eroding transparency and trust in the scheme as a whole.

Which of the below do you think impacts hugely on HMO operations in Nigeria today:

■ The rapidly expanding population.
■ Limited coverage, focusing on only one sector of the population, hampers widespread access.
■ Lack of awareness about the NHIS inhibits enrollment.
■ Distrust between stakeholders creates barriers to effective collaboration.
■ Shortage of skilled human resources affects service delivery.
■ Insufficient funds to implement and sustain the scheme.

Is there any challenge not mentioned in the list above?

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