Financing healthcare services: a qualitative assessment of private health insurance schemes in Ghana.

Background: Health financing in Ghana aims for universal access to healthcare, with both public and private insurance schemes playing vital roles. The National Health Insurance Scheme (NHIS) addresses out-of-pocket expenses but faces enrollment and trust issues. However, 12 licensed Private Health Insurance Schemes (PHISs) offer complementary services, enhancing healthcare access and quality through additional coverage and service delivery.