Levels and Determinants of Health Insurance Coverage in Kenya: Cross-Sectional Evidence from KDHS 2022

Background/Objectives: Strategies to improve the Social Health Authority (SHA)'s equity can be identified by analyzing the Kenya Demographic and Health Survey (KDHS) 2022. This study reports evidence of determinants of health insurance coverage in Kenya. Methods: Household- and individual-level datasets from the Kenya Demographic and Health Survey conducted between February and July 2022 were combined to form the analyzed dataset. Proportions of individuals with and without health insurance were estimated. The associations between potential determinants and health insurance status were calculated using the Rao-Scott chi-square. Logistic regression was used to analyze the determinants of health insurance coverage. Results: Most of the 14,232 participants were literate (75%), relatively poor (56%), in good health (79%), connected to electricity (55%), and radio listeners (61%). About 34% had health insurance, with 93% of the insured covered by the NHIF. Twenty predictors (Adjusted F = 4.2-434.1, p < 0.0001) were included in the complex sample logistic regression model, but only nine were statistically significant predictors of health insurance coverage. The key predictors were education level; wealth index; ownership of a solar panel, television, smartphone, and computer; age; and recent outpatient care (11-80% differences in odds). Conclusions: Health insurance coverage remains low in Kenya due to low education levels, poor economic status, and disparities in access to media. The SHA can emphasize media campaigns in the informal sector to increase premium payments. Accelerating socioeconomic advancement and adopting tax-based funding could speed up Kenya's progress towards UHC.