The Impact of the National Health Insurance Authority (NHIA) On Healthcare Access and Financial Protection: A Case Study of Taraba State, Nigeria

Abstract

This study explores the impact of the National Health Insurance Authority (NHIA) on healthcare access, affordability, and the role of Taraba State Government. Using a qualitative case study approach, data were drawn from policy reports, health agency publications, and secondary sources, including the Taraba State Contributory Health Insurance Agency (TASHIA) and the Federal Ministry of Health records. The findings show that the NHIA has improved healthcare access for some civil servants and vulnerable groups through TASHIA programs and partnerships with accredited facilities. However, challenges such as low coverage in the informal sector, weak funding mechanisms, poor awareness, and inadequate rural infrastructure limit its effectiveness. The study concludes that achieving Universal Health Coverage (UHC) in Taraba State requires stronger collaboration between NHIA, the State government, and local authorities, coupled with innovative community-based health insurance strategies.