2. Ohalete CA. Management of national health insurance scheme in Nigeria [internet]. [cited 2023 Jan 7]. Available from: www.cancer.gov/publications/dictionaries/cancerterms/def/public-health-insurance.

3. Nwosu AB. Healthcare Financing in Nigeria. Medical journal. 2020;21(3):45-60.

4. Mathauer I, Saksena P, Kutzin J. Pooling arrangements in health financing systems: a proposed classification. Int. J Equity Health.2019;18(1):198-210.

5. Chrisantus O. an evaluation of the problem facing national health insurance scheme in Nigeria. Journal of Global Inter-professional Practices. 2023;3(3):10-21.

6. Hoffman AK. Three Models of Health insurance: the conceptual pluralism of the patient protection and affordable Act. University of Pennsylvania Law Review 2nd edition. 2020:1-100.

7. Obasanjo O. “The NHIS”: A policy paper presented to the National Executive Council on March 15, 2005.

8. Folland S, Goodman A, Stano M. The Economics of health and health care. 7th Ed. New Jersey: Prentice Hall; 2013:1-120

9. Arnold IO, Seye A. Operationalizing universal health coverage in Nigeria through social health insurance: Nigerian Medical Journal. 2015;5(2):1- 11.

10. Ibitoye A, Adeleke IA: a log-linear analysis of factories affecting the usage of Nigeria’s national health insurance scheme. Medwell Journal. 2009;7(3):2007-2017

11. Bolaji SA, Khan SM. Predictors of the enrollment in the National health insurance scheme among women of reproductive age. International Journal of Health Policy and Management. 2018;6(2):7-15.

12. World Social Protection Report 2014/15. Building economic recovery, inclusive development and social justice. International Labour office – Geneva [internet]. [Cited 2024 Jan 20]. Available from https://doi.org/10.1186/s12913-022-07670-7.

13. Onwujekwe O, Hanson K, Uzochukwu B. Examining inequities in incidence of catastrophic health expenditures on different healthcare services and health facilities in Nigeria, PLoS One; 7:e40811.

14. Bolaji A. Healthcare in Nigeria: Challenges and Recommendations. Journal of Global InterProfessional Practices. 2023;4(2):1-12.

15. Christina C. Failures of the Nigerians health insurance scheme: the way forward. The Guardian. 2019; 8.

16. Savitha B. Why members dropout of Health Insurance? An evaluation of factors affecting renewal in micro health insurance in India. Journal of Health Management. 2017;19(2):292-303. doi:10.1177/0972063417699691

17. De Allegri M, Sauerborn R, Kouyate B.Community health in insurance in sub-saharan Africa: what operational difficulties hamper its successful development? Tropical Medicine International Health. 2009;14(5):586-596.

18. Muchabaiwa L. Feasibility and sustainability of community-based health insurance in rural areas: case study of Musana, Zimbabwe. Expert journal finance. 2017;5(1):73-85

19. Umeh C. challenges toward achieving universal health coverage in Ghana, Kenya, Nigeria and Tanzania. International Journal of Health Planning and Management. 2018;33(4):794-805.

20. Anaba EA, Tandoh A, Sesay FR. Factors associated with health insurance enrolment among Ghanaian children under the five years: analysis of secondary data from a national survey. BMC Health Serv Res. 2022; 22(269). https://doi.org/10.1186/s12913-022- 07670-7.

21. Practice of Health Insurance [internet]. [Cited 2024 Jan 4]. Available from https://www.rcmguide.com/health-insurance-in-us/.

22. Cancer and Practice of Health Insurance [internet]. [Cited 2024 Jan 10]. Available from www.cancer.gov/publications/dictionaries/cancerterms/def/public-health-insurance.

23. Practice of Health Insurance in Nigeria [internet]. [Cited 2024 Jan 21]. Available from www.ehealthinsurance.com.

24. Availability of Health Insurance and types [internet]. [Cited 2024 Jan 7]. Available from https://www.webmd.com/health-insurance/typesof-health-insuranceplans#:~:text=%20Each%20insurance%20brand%2 0may%20offer%20one%20or,linked%20to%20heal th%20savings%20accounts%20%28HSAs%29%20 More%20.

25. Preethi RG, Christine E. Summary of the current status of Health Insurance Enrollment in Connecticut. Rand Health Quartely. 2022;9(3):9- 14.

26. Health Insurance in Britain [internet]. [Cited 2024 Febr 6]. Available from https://www.internations.org/great-britainexpats/guide/healthcare.

27. De-Chih L, Leiyu J. Health insurance coverage and access to care in China. BMC Health Service Resource. 2022;22(2):140-150.

28. Getasew T, Desta DA, Asmamaw K. Determinants of enrollment decision in the community-based health insurance, North West Ethiopia: a casecontrol study. Journal of Global Healthcare Practices. 2024;3(2):45-49.

29. Hezekiah OS. Determinants and perception of health insurance participation among healthcare providers in Nigeria: A mixed-methods study. Journal of Global Inter-professional Practices. 2022;3(2):10-21.

30. Yusuff A, Damilola B. Towards universal health coverage: an analysis of the Health Insurance Coverage in Nigeria. International Journal of Health and Life Sciences. 2024;2(2):2-9.

31. Chhabi L R, Radha S, Sujeet K. Status and Determinants of enrollment and dropout of health insurance in Nepal: An explorative study. Cost Effectiveness and Resource Allocation, BMC Health Service Resource J..2020;(402):34-44

32. Sukumar V. Determinants of enrollment in voluntary health insurance: evidences from a mixed method study, Kerala, India. International Journal of Financial Research. 2020;4(2):99-107.

33. Nsiah-Boateng E, Nonvignon J, Aryeetey GC. Socio-demographic determinants of health insurance enrollment and dropout in urban district of Ghana: a cross sectional study. Health Economics Review. 2019;9(1):23-30.

34. Kwasi SO. Differences in the determinants of health insurance enrolment among working-age adults in two regions in Ghana. BMC Health Service Research. 2018;2(3):7-13.

35. Kwame A, Charles YH. Determinants of Health insurance enrollment and Health expenditure in Ghana: an empirical analysis. Discussion paper series DP2022-01. Research Institute for Economics & Business Administration, Kobe University. 2024.1-10.

36. Wakuma AE, Teferi DL, Edosa Tesfaye G. Magnitude and Determinants of dropout from community-based health insurance among household in Manna District, southwest Ethiopia. Journal of Global of Healthcare Practices. 2020;20(12):747-760.

37. Birhanu A, Gashaw A, Aysheshim KB. Community based health insurance membership dropout rate and associated factors in Dera district, Northwest Ethiopia. Risk Management Health Policy. 2020:13-20.

38. Michael A, Asubisye M. Exploring factors influencing dropping out of Community based Health Insurance Schemes in Mpwapwa District, Tanzania. Journal for Population Studies and Development. 2020; 27(1):20-39.

39. Chantal H, Wael A..Determinants of voluntary national health insurance drop out in Eastern Sudan. Applied Health Economics and Health Policy Research. 2017;15(2):215-226.

40. Gilbert AA, Robert BK. Factors influencing the decision to drop out of health insurance enrolment among urban slum dwellers in Ghana. Journal of Tropical Medicine and International Health. 2014;5(2):20-30

41. Odeyemi IA. Community-based health insurance programmes and the national health insurance scheme of Nigeria: challenges to uptake and integration. Int J Equity Health. 2014; 13(2):34-44. https://doi.org/10.1186/1475-9276-13-20

42. History of Auchi [internet]. [Cited 2023 July 22]. Available from https://en.wikipedia.org/wiki/Auchi.

43. Adewole DA, Adebayo AM, Udeh, EI, Shaahu VN, Dairo MD. Payment for Health Care and Perception of the National Health Insurance Scheme in a Rural Southwest Nigeria. Am J Trop Med Hyg. 2023;3(2):14-24.

44. Adewole DA, Bolarinwa, Dairo MD. Awareness and Coverage of the National Health Insurance Scheme among Formal Sector Workers in Ilorin, Nigeria. Afr. J. Biomed. Res. 2023;4(1):9-17.

45. Onoka, CA, Hanson K, Hanefeld J. Towards universal coverage: a policy analysis of the development of the National Health Insurance Scheme in Nigeria. Health Policy and Planning, 30(9):1105–1117. doi:10.1093/heapol/czu116

46. Thomas R, Chalkidou K. Cost–effectiveness analysis. In: Cylus J, Papanicolas I, Smith PC, editors. Health system efficiency: How to make measurement matter for policy and management [Internet]. Copenhagen (Denmark): European Observatory on Health Systems and Policies; 2016;3(3):1-11

47. Muanya C, Oyebade W. Health Insurance Scheme seeks commission to make it mandatory, financially viable. Guardian Newspaper, Nigeria. Available from: http://www.guardiannewsngr.com/index.php?optio n=com_content&view=article&id=76435:healthinsurance-scheme-seeks-commission-to-make-itmandatory-financially

48. Meng Q, Yuan B, Jia L, Wang J, Yu B, Gao J, Garner P. Expanding health insurance coverage in vulnerable groups: a systematic review of options. Health Policy and Planning. 2023;26(2):93– 104. doi:10.1093/heapol/czq038

49. Amah E. Nigerian Federal Constitution and the Practice of Federalism: An Appraisal. Beijing Law Review. 2017;8:287-310. doi: 10.4236/blr.2017.83017.

50. Kotoh AM, Aryeetey GC, Van der GS. Factors That Influence Enrolment and Retention in Ghana' National Health Insurance Scheme. International Journal of Health Policy and Management, 7(5):443–454. https://doi.org/10.15171/ijhpm.2017.117

51. Anaba, EA, Tandoh A, Sesay. Factors associated with health insurance enrolment among Ghanaian children under the five years: analysis of secondary data from a national survey. BMC Health Serv Res. 2022;269(2022). https://doi.org/10.1186/s12913-022-07670-7

52. Wang W, Temsah G, Mallick L. The impact of health insurance on maternal health care utilization: evidence from Ghana, Indonesia and Rwanda. Health Policy and Planning, 2023;4(2):135- 140. doi:10.1093/heapol/czw135

53. Liu M, Luo Z, Zhou D. Determinants of health insurance ownership in Jordan: a cross-sectional study of population and family health survey 2017– 2018 BMJ Open. 2021;11:e038945. doi: 10.1136/bmjopen2020-03894