MUTUAL HEALTH ORGANIZATIONS AS FACILITATORS AND/OR BARRIERS TOWARDS THE SUCCESSFUL IMPLEMENTATION OF NHIS IN GHANA

There are many constraints to implementing comprehensive health insurance in the context of Sub-Saharan Africa. Mutual health organizations are under pressure to resolve the inadequacies, accordingly. The objective of this study is to explore the extent to which the mutual health organizations constitute facilitators and/or barriers to the successful implementation of the health insurance scheme nationwide. Data were gathered through interviews and review of literature. The findings of the empirical data were analyzed using theories of health seeking behaviour and reflexive communities. The findings of the paper suggest that the mutual health organizations are beneficial to their communities as they have broadened the understanding of the community members, regarding what the concept of health insurance was in Ghana, a country where it was a relatively new concept in public health financing and delivery. However, the paper also observes that the mutual health organizations are facing problems that are likely to affect sustainability overtime under a national health insurance scheme. Therefore, the need for continuous public education to sustain the enthusiasm among community members is recommended.