As of January 2026, the Social Health Authority (SHA) has fully replaced the NHIF as the primary health insurance provider in Kenya. Under the new Universal Health Coverage (UHC) framework, registration is no longer optional—it is a legal requirement for every resident. Whether you are a salaried employee, a self-employed entrepreneur, or a student, your access to government-subsidized healthcare now depends on your SHA status. This guide breaks down the three primary ways to register and how to navigate the new 'Means Testing' system.
Method 1: The Quick USSD Way (*147#)
Method 2: The Afya Yangu Digital Portal
1. Enter your ID number and a phone number registered in your name.
2. Verify using the OTP sent to your device.
3. Create a secure 4-digit PIN.
4. Complete your profile by selecting your county, sub-county, and nearest health facility.
This portal is the only place where you can perform 'Means Testing'—an AI-driven assessment that determines the monthly premium for non-salaried Kenyans based on household economic indicators.
The 2.75% Rule: Understanding Contributions
Adding Dependents: Marriage and Birth Proof
The Primary Healthcare Fund (PHC) Advantage
Need Help with SHA Migration?
Struggling with 'Means Testing' or adding dependents? Our consultants can manage your family or company SHA registration to ensure zero service disruption.
Get Registration SupportRelated Questions
? Do I need to register if I had an NHIF card?
Yes. All previous NHIF records must be migrated. You must register afresh on the SHA portal to get a new SHA number and benefit package.
? What is the penalty for late SHA payment?
Late payments attract a 2% cumulative penalty per month. Additionally, your access to non-emergency inpatient services will be suspended until the arrears are cleared.