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This article focuses primarily on secondary literature to highlight some of the key issues that has affected the effectiveness and the efficiency of the National Health Insurance in Ghana. The article proposes the need to use legislation and additional preventive healthcare strategies to lessen or reduce the pressure that comes upon the National Health Insurance Authority. Finally, it postulates that the people of a community, their institution, that is health institutions and Para-health institutions that ensure public safety, environmental protection, and sanitation among others are enjoined to reduce the occurrence of disease and injury or harm. This could ensure a healthy work force and a healthy population that has the tendency or proclivity to increase productivity and lessen disease burden with its associated harm and cost on the state, especially in countries where social insurance is practiced.
