Achieving financial sustainability.
In 2004, Ghana embarked on a process of developing and implementing a National Health Insurance Scheme to replace out-of-pocket fees at point of service.
Ghana’s National Health Insurance Scheme (NHIS) was established by an Act of Parliament in 2003 (Act 650) to provide financial risk protection against the cost of health care services for all residents of Ghana. In 2012, the law was revised to address some of the operational challenges in management of the scheme. The object of the Scheme is to attain universal health insurance coverage for residents and those visiting the country.
The National Health Insurance Authority (NHIA) is the corporate body mandated to implement the NHIS and is governed by a Board of Directors. The new NHIS Act in 2012 (Act 852) establishes a unitary scheme with offices across the country – Head Office, Regional Offices, and District Offices (District Mutual Schemes are now District Offices of NHIA).
Ghana has a single pooling system. All funds are channeled through the NHIS. The main source of financing for the NHIS is the NHI Levy (2.5% VAT). Additional funding sources include: 2.5% of each person's contribution to the Basic National Social Security Scheme, funding approved by Parliament, interest that accrues to the Fund from investments made by the Authority, and contributions in the form of premiums and processing fees by members of the Scheme.