The Social Health Authority (SHA) has issued a reminder to informal sector workers that any delayed health insurance contributions will incur a 2% penalty on the outstanding amounts. Access to healthcare services under the scheme will remain suspended until both the arrears and penalties are fully paid.

In a notice dated August 1, 2026, SHA Chief Executive Officer Mercy Mwangangi emphasized the importance for farmers, traders, boda boda riders, casual and domestic workers, and other self-employed Kenyans to register with SHA and maintain timely payments. This directive aligns with the Social Health Insurance Act, 2023, and its 2024 Regulations, which mandate registration and contribution for healthcare access.

Penalty Framework and Healthcare Suspension

  • Section 27(6) of the Social Health Insurance Act stipulates a 2% penalty on each unpaid contribution for the duration it remains unsettled.
  • Section 27(7) bars members from resuming healthcare benefits until all outstanding dues, including penalties, are cleared.

This means informal workers who delay payments face both an increased financial burden and suspension of their healthcare coverage.

Registration and Payment Options

SHA offers multiple registration channels: dialing *147#, visiting sha.go.ke or afyayangu.go.ke, or registering in person at SHA branches or Huduma Centres. Registration requires a National ID and a registered phone number. Members create a PIN, verify personal details, add dependants, and complete means testing by submitting income and household information.

After assessment, SHA determines the contribution amount. Payments can be made annually in full or through the flexible Lipa Pole Pole instalment plan. Contributions are payable via Paybill number 200222, using the National ID as the account number.

Healthcare cover activates once payments amounting to at least four months of the annual contribution are received. Active members can access services at SHA-accredited facilities by presenting their National ID.

Implications of Delayed Payments

Failure to keep contributions current results in ongoing penalties and suspension of healthcare access. To restore benefits, members must settle both the principal arrears and accumulated penalties. This policy underscores the responsibility of informal sector workers, whose incomes are not formally deducted, to manage their health contributions proactively.

SHA encourages all eligible informal workers who have not registered to do so promptly through digital platforms or physical service points, and to maintain up-to-date payments to avoid penalties and service interruptions.