Section 14: Participation in health insurance to be mandatory.

(1) Subject to the provisions of this Act, every person resident in Nigeria shall be required to obtain health insurance.
(2) Residents under this Act include-
(a) all employers and employees in the public and private sectors with five staff and above;
(b) informal sector employees; and
(c) all other residents of Nigeria.
(3) Subject to subsection (2), nothing under this Act shall be construed to preclude a resident in Nigeria from obtaining private health insurance provided such a person participates in any State mandated health scheme.
(4) A person who obtains private health insurance shall not be eligible to receive free coverage as a vulnerable person as provided under section 13 (7) of this Act.