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Providing an equitable and sustainable financing scheme for healthcare delivery in sub-Saharan Africa has been a needlessly daunting challenge for Governments. Various financing regimes has been proposed to address this problem. This dissertation provides a justification for the abolition of out-of-pocket financing scheme in favor of health insurance in Ghana. This financing scheme has proved to be more equitable and sustainable than out-of-pocket payments for healthcare utilization in sub-Saharan Africa.