Over the last decade, Universal Health Coverage has become the ideal – embraced and propagated by leading health authorities in global health with its primary goal being to ensure that all people obtain the necessary health services that they require without suffering any financial hardship in doing so. One of the key drivers to achieve UHC is the use of pre-payment mechanisms such as health insurance.

HSCL conducted a study to determine key state-specific health financing information such as the current Household Health Expenditure, Out of Pocket Expenditure (OOPE) and willingness to pay of the residents in Abia, Ebonyi and Osun states to enable the client adequately develop a product that maintains this balance, and make the required policy directives for the implementation of the state health insurance scheme.

The study is part of Health Policy Plus (H+) efforts to improve the health financing landscape of Abia, Ebonyi and Osun States, and provide a body of evidence to develop responsive health insurance policies.

Project Goal

To provide contextual insight, on adequately quantifying the value and understanding the current patterns of out of pocket expenditure in the states, as well as obtaining contextual amounts that varying population groups in each state are willing to pay for health insurance products.


  • To determine the incidence and nature of expenditure on health incurred by households to estimate the amount of “out of pocket” payments for health.
  • To determine the amount households are willing to pay for
  • Health insurance.

Related Activities

  • Review of evaluation tools
  • Design of field methodology
  • Recruitment and training of personnel for data collection
  • Collection of primary data