This paper uses a difference-in-difference framework to estimate the effects of mobile money transfer technology (MMT) on healthcare usage in the face of negative health shocks. We use survey data from 2013-16 with quarterly observations on about 1,600 households of 10 villages in the Kisumu region of Western Kenya. We find evidence that MMT, likely through greater ease of informal borrowing, helps households increase utilization of formal healthcare services in terms of visits to a clinic, consultation and medication expenditures in comparison with the nonusers of this technology. ***, **, * indicate significance at 1, 5 and 10% respectively. Standard errors are clustered at the household level. Control variables include occupational dummy variables, a dummy for whether a household owns a mobile phone or not, travel time to the hospital/clinic, dummies for highest educational attainment of the household, total adult household members and children, total household wealth, household's savings level, and owned acres.