NHIA targets 80% population coverage under 2026–2028 plan
NHIA aims to cover 80% of Ghanaians, end unauthorised fees and digitise operations by 2028.
The National Health Insurance Authority (NHIA) has rolled out a three‑year strategic roadmap that will run until the end of 2028. In it, the body promises to lift the share of Ghanaians protected by the National Health Insurance Scheme from its current level to about eighty percent. Dr Kwesi Djokoto, deputy chief executive officer for operations, laid out the ambition during a workshop themed “Innovation for Universal Health Coverage”. He told participants that the plan also sets a goal of removing all unauthorised charges and moving at least eighty percent of the Authority’s work onto digital platforms.
Under the new scheme, the NHIA hopes to achieve what it calls a medical loss ratio of 80:20. This ratio is meant to ensure that a larger share of premiums goes straight to health services while keeping administrative costs low. Dr Djokoto said that careful planning and strict follow‑through are essential if the targets are to be met and if the Scheme can remain financially sound for the next generation of contributors.
The push for greater coverage is tied to a broader vision of universal health coverage that the government has been championing for years. By making it easier for people to enrol and by cutting down on hidden fees, the Authority wants to make sure that more families can access care without fear of being over‑charged. Digital tools are expected to speed up registration, claims processing and overall service delivery, especially in remote districts.
If the targets are realised, Ghanaians can look forward to a health‑insurance system that is more inclusive, faster to respond and financially stable. The NHIA has called on all its directorates to sync their activities with the new plan, and the next step will be a full roll‑out of the digital initiatives while monitoring progress towards the 80% coverage mark.
