Around 24 out of every 100 adult Kenyans had access to health insurance in 2021. When broken down, 75% of these adults were covered by the government-led National Health Insurance Fund (NHIF), while the remainder were covered by private insurers. On the face of it, these are encouraging statistics given that the insurance penetration rate is below 3% across much of Sub-Saharan Africa. However, these numbers hide several...