Academic Research Journal on Health Information Management

Vol. 7(2), pp. 30-36, April 2026

ISSN: 2734-2190

https://doi.org/10.14662/arjhim2026060

 

Full Length Research

 

 

Implementation and Enrollment Outcomes of the Kaduna State Contributory Health Management Agency (KADCHMA): Implications for Universal Health Coverage in Kaduna State, Nigeria.

 

Muhammed Mustapha Madaki1, Kabiru MY1, Sabo Muhammed2,

 

1,2,3Department of Public Health, Faculty of Health Sciences, Maryam Abacha American University of Niger, Niger Republic  

Corresponding author: Kabiru MY. Email (kabiru.mustapha@maaun.edu.ne)  

Accepted 15 April 2026

Abstract

Abstract: The study investigates the implementation and enrollment outcomes of the Kaduna State Contributory Health Management Agency (KADCHMA) and their implications for advancing Universal Health Coverage (UHC) in Kaduna State, Nigeria, using a cross-sectional survey approach. The research aims to assess the level of scheme implementation across selected local government areas, identify the perceived benefits of enrollment for clients, and examine the challenges faced in its implementation and utilization within the state. A survey research design was employed to collect standardized quantitative data from 500 KADCHMA enrollees across six purposively selected LGAs using stratified random sampling, supplemented by administrative records from KADCHMA. Data was gathered through a self-structured instrument titled KADCHMA Implementation and Enrollment Outcomes Questionnaire (KIEOQ), which demonstrated strong internal consistency with a Cronbach’s alpha of 0.89. The survey was conducted between January and June 2025. Descriptive statistics, including frequencies and percentages, along with logistic regression, were used to analyze the responses and address the research questions. Findings from the study reveal that there is a strong recognition among enrollees of the potential benefits associated with KADCHMA. These benefits include improved access to essential health services, reduced out-of-pocket expenditures, and enhanced financial protection for vulnerable groups. Despite this positive outlook, the actual implementation and enrollment of KADCHMA is still uneven, particularly in rural areas. Several challenges have been identified as barriers to full coverage. These include insufficient provider networks in rural communities, low awareness levels, staff shortages, and limited financial resources. In conclusion, while KADCHMA offers significant opportunities for enhancing healthcare access and advancing UHC in Kaduna State, addressing existing infrastructural, awareness, and equity limitations is essential for successful and sustainable integration. The study recommends that KADCHMA and relevant stakeholders prioritize the expansion of rural provider networks, invest in comprehensive community sensitization programs, strengthen administrative processes, and secure sustainable funding from both internal and external sources to facilitate the effective scaling and utilization of the scheme toward Universal Health Coverage goals.

 

Keywords: Universal Health Coverage, KADCHMA, Health Insurance, Enrollment Outcomes, Nigeria

Paper type: research