There is a very small percentage( about 20%) of the Kenyan working population that is in formal employment. The number swindles more as you move away from the city.

Most of the people covered by NHIF are covered through their
employers from monthly deductions.
Most of the people in business and informal employment, which is a very large part of our population would love to get the cover but find difficulty in paying the the lump-some of 500 or 6000 due to opportunity costs
Health and specifically U.H.C. is part of the BIG 4 AGENDA in the country right now.