HMCAN, AHIPN Reject Claims of Endorsement of Lagos Private Health Plan, Demand NHIA Approval
Zacheaus Somorin
2 min read
The Health and Managed Care Association of Nigeria (HMCAN) and the Association of Health Insurance Practitioners of Nigeria (AHIPN) wish to categorically clarify that they have not endorsed the Lagos Private Health Plan (LPHP) under its current framework.
Attendance at the launch, consultations or expressions of interest by individual HMOs do not constitute HMCAN’s endorsement. HMO accreditation is also distinct from approval of a specific health plan. We request correction of reports suggesting collective industry endorsement.
HMCAN and its members fully support the Presidential directive on universal health coverage and the objectives of the Lagos State Executive Order to give effect to the NHIA Act 2022. We commend Governor Babajide Sanwo-Olu’s commitment to expanding coverage. Implementation must be lawful, affordable and coordinated.
The NHIA–Lagos communiqué of 28–29 October 2025 provides the agreed foundation: NHIA remains the sole statutory regulator; LPHP participation by HMOs is voluntary; employers retain the right to choose NHIA-approved plans; and all plans require prior NHIA approval.
The communiqué also provides for NHIA-issued, nationally recognised compliance certificates, with State collaboration. Lagos may issue certificates on NHIA’s behalf bearing both logos. NHIA and Lagos State, through LASHMA and relevant authorities, should therefore coordinate compliance and enforcement within their respective mandates. We request publication of the applicable NHIA approval documentation.
Our understanding is that the framework includes an aggregate 13% levy (Tax) on private-sector health insurance arrangements. Its legal basis, calculation base and components require clarification. If imposed in addition to existing premiums and statutory obligations, HMCAN considers it an unnecessary burden and a form of double taxation on employers already funding healthcare. Additional charges must not erode affordability or funds available for patient care.
Clear compliance criteria have yet to be communicated to our satisfaction. Employers need published guidance on acceptable coverage, minimum benefits, certification and sanctions, aligned with the Presidential directive. Existing NHIA-approved coverage must be recognised without duplicate enrolment or payment.
The December 31, 2026, deadline should be reviewed against the availability of complete guidelines and functional compliance systems. Employers must receive adequate notice and a realistic transition period before sanctions commence.
HMCAN and its members are ready to work with Lagos State Government, LASHMA, NHIA, the Nigeria Employers’ Consultative Association (NECA), providers, labour and other stakeholders on an agreed compliance roadmap. We call for an urgent stakeholder meeting to resolve outstanding issues and agree phased implementation.
As Nigeria approaches an election season, implementation must remain consultative, avoiding unnecessary industrial tension and disruption. Progress must protect existing enrollees, support timely provider payment and extend reliable coverage to the uninsured.
Signed by :
Dr Abdulkadri Osumah
Chairman
Health and Managed Care Association of Nigeria (HMCAN)
Dr Ben Okpalla
Chairman
Association of Health Insurance Practitioners of Nigeria (AHIPN)
