“…Again, Ghana's NHIS is a requirement for the FMH and studies have examined the implementation and the effectiveness of the FMH (Anafi et al, 2018; Dalinjong, Wang, & Homer, 2018; Twum, Qi, Aurelie, & Xu, 2018) however, it has not been tested if NHIS enrolment has significantly increased after the introduction of the FMH. Finally, following the theory of the status quo bias , it can be argued that the use of 2008 data to assess NHIS enrolment (Mensah, Oppong, & Schmidt, 2010; Wang et al, 2017) and the FMH which were implemented in 2005 and 2008 respectively in Ghana may not tell convincing stories.…”