Background: Health care financing is one of the major and pressing issues challenging the healthcare delivery sector in Ghana. Right after attaining independence, the country embraced the socialist philosophy, where the then government made healthcare services completely free, as was the case with education and other social intervention programs. However, not too long into the era, Ghanaians were made to pay out-of-pocket when receiving healthcare services in the famous "Cash-and-Carry" delivery system. Since 2003, the country introduced the National Health Insurance Scheme as a means to lessen the burden on the healthcare expenditure of the people.
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