National Health Insurance in South Africa: A critical perspective on policy misalignment and constitutional constraints

Authors

  • N Mofolo Department of Family Medicine, School of Medicine, Faculty of Health Sciences, University of Pretoria, South Africa https://orcid.org/0000-0003-4758-5969
  • C Heunis ² Centre for Health Systems Research and Development, University of the Free State, Bloemfontein, South Africa

DOI:

https://doi.org/10.7196/SAMJ.2026.v116i2.4237

Keywords:

national health insurance; health policy; constitutional reform; universal health coverage; South Africa; policy implementation

Abstract

South Africa (SA)’s National Health Insurance (NHI) Act, signed into law in May 2024, represents an ambitious attempt at healthcare transformation through universal health coverage (UHC). However, this perspective argues that despite laudable intentions, the NHI faces fundamental deployment obstacles rooted in systemic policy misalignment, fragmented governance structures and legal constraints. We present a critical analysis of five major constitutional violations, multi-departmental co-ordination failures and financial sustainability concerns that threaten the NHI’s transformative potential. Our perspective challenges current execution strategies, and proposes that without comprehensive organisational reforms addressing constitutional alignment, inter-departmental co-ordination and fiscal realities, the NHI risks becoming an aspirational policy rather than an operational reality. This analysis aims to promote scientific discourse about the need for systemic reform as a prerequisite for successful UHC deployment in SA.

Author Biography

  • N Mofolo, Department of Family Medicine, School of Medicine, Faculty of Health Sciences, University of Pretoria, South Africa

    I completed my Bachelor of Science degree in 1997, my Bachelor of Medicine and Bachelor of Surgery in 2001 and Magister in Family Medicine in 2007 at the University of the Free State (UFS). I also completed a Management Development Programme in 2008, Assessment of Learning in Higher Education in 2009 and a Leadership and Professional Development Programme in 2015 at UFS. In 2023 I completed my Doctor of Business Administration in Higher Education Management at the University of Bath, United Kingdom. Prior to becoming the Head of Department at UP, I was the Head of Department: Family Medicine, University of the Free State (2011-2017), Head of the School of Clinical Medicine, University of the Free State (2017-2022) and the Dean: School of Medicine, Sefako Makgatho Health Sciences University (2022-2024)

    Position: Department Head Allowance (Joint)
    Academic / Support: Academic Department
    Faculty/Department: Health Sciences
    Building: Hw Snyman (north)
    Office Number: 7-26

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Published

2026-03-02

Issue

Section

Perspectives/opinion articles

How to Cite

1.
Mofolo N, Heunis C. National Health Insurance in South Africa: A critical perspective on policy misalignment and constitutional constraints. S Afr Med J [Internet]. 2026 Mar. 2 [cited 2026 Mar. 11];116(2):e4237. Available from: https://samajournals.co.za/index.php/samj/article/view/4237