Research Article

EXPLORING THE INFLUENCE OF SOCIOECONOMIC AND POLICY FACTORS ON INFORMAL WORKERS' ENROLLMENT IN NIGERIA'S HEALTH INSURANCE SCHEME

A.K ONAFALUJO1*, Bamgbose Olalekan Sadiq2, H.S OLUFAWO2
1 Risk Management & Insurance, Department of Insurance, Lagos State University.
2 Department of Actuarial Science & Insurance, Lagos State University of Science
* Corresponding author: onafalujo@yahoo.com
Published: Apr, 2025
Pages: 55-62

Abstract

This study examines factors influencing enrollment in Nigeria's National Health Insurance Act 2022 (NHIA) healthcare program among informal economy workers, who often face poor safety, health conditions, and limited insurance coverage, leading to preventable health issues. A sample of 389 workers from Ikorodu, Lagos, completed structured questionnaires. Using Least Square statistics, results show that life events, disposable income, sales agent influence, and friendly society engagement positively impact NHIA enrollment. The findings suggest that healthcare providers should innovate existing offerings by including benefits like hospital reimbursement and co-payments, while collaborating with friendly societies to build trust and improve healthcare access for informal sector workers.

Keywords

informal economy health insurance NHIA enrollment workforce health care

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How to Cite

ONAFALUJO, A., Sadiq, B. O., & OLUFAWO, H. (2025). EXPLORING THE INFLUENCE OF SOCIOECONOMIC AND POLICY FACTORS ON INFORMAL WORKERS' ENROLLMENT IN NIGERIA'S HEALTH INSURANCE SCHEME. Nigerian Actuarial Journal, 2(1), 55-62.

A. ONAFALUJO, B. O. Sadiq, and H. OLUFAWO, "EXPLORING THE INFLUENCE OF SOCIOECONOMIC AND POLICY FACTORS ON INFORMAL WORKERS' ENROLLMENT IN NIGERIA'S HEALTH INSURANCE SCHEME," Nigerian Actuarial Journal, vol. 2, no. 1, pp. 55-62, April 2025.

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