For more than two decades, the leadership behind Healthcare Access Covenant Foundation has contributed to Nigeria’s Universal Health Coverage (UHC) movement through research, policy engagement, and published work on health financing and reform.

Healthcare Access Covenant Foundation (HAC) now has been entablished to translate Universal Health Coverage from national policy aspiration into structured, community-level implementation.

We align our work with Nigeria’s health sector reform agenda, the mandate of the National Health Insurance Authority, and the global UHC principles advanced by the World Health Organization.

We make attainment of Sustainable Development Goal 3 our strategic goal.

Our focus begins in Ekiti State, with the ambition to develop a scalable model for Southwestern Nigeria.  This can be franchised to cover entire Nigeria.

We are Moving Universal Health Coverage from Policy to People.

Our unique approach is to combine four mechanisms of a health system: health infrastructure, health personnel, health financing, people involvement,  into a sustainable, scalable population focused health system.

We combine health financing, using membership contribution of a cooperative organisation, with health care delivery using Modules of cooperative health personnel, adopting Task Sharing and Task Shifting philosophy, having responsibility to a given population and delivering services in Open Walk-In Clinics in the neigbourhood health facilities.  We involve local members in several respects: In governance as members of Mutual Health Association, in healthcare delivery by retired health personnel, or in social support by transporting ill people from the Clinics to hospitals, if necessary.

The data base of the enrolled members provide a fertile sample population for clinical and epidemiological research. 

There is operational oversight and management by Cooperative Governance Committee and effective Medical Management by the Clinical Audit Committee. 

We want to ensure that the mother in rural Ekiti has the same access to equitable, evidence based health care as those in our national policy papers.

We want to ensure that vulnerable people are not subjected to catastrophic out-of-pocket medical expenditures.

The gap between national policy and rural dwellers can be bridged if every one is encouraged and assisted to join a Mutual Health Association in their immediate neighbourhood.

Join us in Ekiti State as we embark on a new approach to healthcare delivery with a scalable blueprint of Health Of The People, By The People, For The People to achieve  primary healthcare based Universal Health Coverage in Nigeria.

​"Moving from the Library to the Village Square"

​For over two decades, my journey in healthcare has been one of data, policy papers, and teaching health systems. I have watched from the halls of academia as Nigeria’s Universal Health Coverage (UHC) movement grew from a distant aspiration into a robust national mandate. But throughout those twenty years of research, one question haunted every paper I read or published: When will the mother in the rural settlement feel the impact of the policy on my desk?

​Healthcare Access Covenant Foundation (HAC) is my answer to that question.

​We are not here to reinvent the wheel. We are here to make it turn. Health For All 2000 has gone by without a whimper. The health targets of Millenium Development Goals have passed without attainment. We are now in pursuit of Sustainable Development Goal 3. We are determined to achieve it.

Nigeria does not lack brilliant health policies to achieve these goals; we often lack the "last-mile" implementation that connects policies like the National Health Insurance Authority (NHIA) mandate to the person who needs it most.

​This gap is stark: Ekiti State mandated community health insurance as far back as 2016. Yet, in 2026, there is no viable community health insurance organisation in Ekiti. We still see the life of a road traffic accident victim depending not on a functioning health system, but on the desperate, ad-hoc donations of his townsmen.

​We have documented the solution to the "last-mile" conundrum. Our leadership has authored the primary blueprints for this transition: The Strategic Path to Universal Health Coverage in Nigeria (ISBN 9789789611731) and Financing Universal Health Coverage in Nigeria (ISBN 9789789613724). These resources contain the practical steps needed for reform, but they currently sit unutilised on shelves while lives are lost to systemic gaps.  We are now mounting practical steps to bring policy to the reality of remote men and women in Ekiti. To vulnerable poor people in Ekiti. To psychologically ill people in Ekiti. To everyone living below poverty line in Ekiti. 

​

The Smart Reasons Why We are Starting in Ekiti.

We have chosen Ekiti State as our starting point—not just because of its intellectual heritage, but because it is the perfect laboratory for a scalable, sustainable model of care. Our covenant is simple: we will use our 20 years of research to build a bridge between national aspirations and community-level reality.

​When we succeed in Ekiti, we provide a blueprint for all of Southwestern Nigeria.

​We invite you to join us. Whether you are a policymaker, a healthcare provider, or a donor, your partnership is the final ingredient in translating "Health for All" from a long term slogan into an immediate lived reality for every Nigerian.

​Prof. Laofe Ogundipe

Founder, Healthcare Access Covenant Foundation