Checked 13 November 2026. Every state runs its own contributory health insurance scheme, supervised by the National Health Insurance Authority (NHIA). The names and addresses below are from NHIA’s official list of State Social Health Insurance Agencies (SSHIAs). NHIA’s list also gives each agency head’s name, mobile number and email address, often a personal one; we leave those out because they change, and so that this page doesn’t publish personal contact details.
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Health insurance agency for each state
| State | Agency | Address |
|---|---|---|
| Abia | Abia State Health Insurance Agency (ABSHIA) | 100 Aba Road, HMB Premises, Umuahia, Abia |
| Adamawa | Adamawa State Contributory Health Management Agency.(ASCHMA) | State Secretariat Complex, Yola, Adamawa |
| Akwa Ibom | Akwa Ibom State Health Insurance Agency | Not listed by NHIA |
| Anambra | Anambra State Health Insurance Agency (ASHIA) | Road 1, Abuja Estate, Venerable Prof. Ben Okeke Avenue, Opp. Government House, Anambra State |
| Bauchi | Bauchi State Health Contributory Management Agency (BASHCMA) | Bello Kirfi Road, Off Murtala Mohammed Way, Bauchi |
| Bayelsa | Bayelsa Health Insurance Scheme (BHIS) | State Secretariat Complex, Yenagoa, Bayelsa |
| Benue | Benue State Health Insurance Agency (BNSHIA) | Benue State Health Insurance Agency , No. 9 Ogiri Oko Road, Makurdi |
| Borno | BORNO STATE CONTRIBUTORY HEALTH CARE MANAGEMENT AGENCY (BOSCHMA) | State Secretariat Complex, Maiduguri |
| Cross River | Cross River State Health Insurance Agency (CRSHIA) | 30 Barrack Road, Calabar |
| Delta | Delta State Contributory Health Commission (DSCHC) | State Secretariat Complex, Asaba, Delta State |
| Ebonyi | Ebonyi State Health Insurance Agency (EBSHIA) | 3rd Floor, Block 5, New Secretariat Complex, Commentary City, Abakaliki, Ebonyi State. |
| Edo | Edo State Health Insurance Scheme (EDHIC) | 2nd Floor Specialist Hospital, Sapele Road, Benin-City, Edo State |
| Ekiti | Ekiti State Health Insurance Scheme (EKHIS) | Data Bank Complex, Ministry Of Health, Ado-Ekiti, Ekiti State |
| Enugu | Enugu State Universal Health Coverage Scheme (ESUHCS) | No. 1 Colliery Avenue, GRA, Enugu State |
| FCT | FCT Health Insurance Scheme (FHIS) | Capital Street Block A, Area Ii, Garki, FCT, Abuja |
| Gombe | Gombe State Contributory Healthcare Management Agency | State Secretariat Complex, Gombe |
| Imo | Imo State Health Insurance Agency (IMSHIA) | Quinters Youth Avenue, Opp. Civic Centre, Off Concord Road, Imo State |
| Jigawa | Jigawa state contributory Healthcare Management Agency | State Secretariat Complex, Dutse, Jigawa |
| Kaduna | Kaduna State Contributory Health Management Agency. (KADCHMA) | No. 18 Independence Way, Opp. State Secretariat, Kaduna |
| Kano | Kano State Contributory Healthcare Management Agency (KSCHMA) | No. 27a, Sokoto Road, Kano |
| Katsina | KTSCHMA | Ministry Of Health, Katsina |
| Kebbi | Kebbi State Contributory Healthcare Management Agency (KECHEMA) | Gwadangaji Secretariat Complex, Birnin-Kebbi, Kebbi |
| Kogi | Kogi State Health Insurance Agency (KGSHIA) | State Secretariat Complex, Kogi State |
| Kwara | Kwara State Health Insurance Agency (KWARAHIA) | House 10B Ahmadu Bello, Ilorin |
| Lagos | LASHMA | 17 Kafi Street, Oregun Lagos, Alausa Ikeja |
| Nasarawa | NASHIA | Beside Nasema, Former Lafia Hotel, Shendam Road Lafia |
| Niger | NGSCHA | The Old Secretariat Block A, First Floor, Minna, Niger State |
| Ogun | OGSHIA | Block D, Room 166, New Secretariat, Governor’s Office, Oke-Mosan, Abeokuta |
| Ondo | ODCHC | State Secretariat Complex, Alagbaka, Akure, Ondo |
| Osun | OHIS | HSDP Building Behind Osamdo House, Gbongan/Ibadan Road,Osogbo, Osun State |
| Oyo | OYSHIA | Oyo State Health Insurance Agency Secretariat, Oyo State |
| Plateau | PLASCHEMA | State Secretarial Complex, Jos |
| Rivers | RIVCHPP/RSMOH | State Secretariat Complex, Port Harcourt, River State |
| Sokoto | SKHIS | Block 13 Ground Floor, Shehu Kamgiwa Secretariat Sokoto |
| Taraba | TSSHIA | State Secretariat Complex, Jalingo, Taraba State |
| Yobe | YOSCHIMA | State Secretariat Complex, Damaturu, Yobe State |
| Zamfara | ZAMCHEMA | State Secretariat Complex, Gusau, Zamfara |
How to enrol
- Enrolment, premiums and the hospitals you can use differ by state. Contact your state’s agency above, or ask your employer’s human resources office if you work in the public sector.
- Federal workers and some formal-sector employees are covered through NHIA programmes directly; check nhia.gov.ng.
- Don’t pay anyone who is not an accredited agency or health maintenance organisation (HMO) for “registration”.