The National Health Insurance Authority did respond, raising capitation by 93 per cent and fee-for-service reimbursement by 378 per cent in April 2025, the steepest adjustment in the sector’s history. A profession not paid on time by its own employer is not well placed to absorb further losses on every HMO patient it treats. The argument over how HMO patients are treated is, numerically, an argument about a minority’s experience. Health insurance is not that, which is why so many Nigerians feel cheated the first time they fall seriously ill and discover their premium was smaller than their hospital bill. That instinct now drives his push, through his venture AwaDoc and public campaigns on healthcare affordability, to get Nigerians into the insurance pool before they need it.