“Pay Small Small” — financing UHC for the informal sector.

Lagos’s informal sector represents the majority of the state’s working population. Bringing those residents into the formal health insurance system has been the most stubborn problem in state-level universal health coverage. "Pay Small Small" is a flexible-payment product designed to meet informal-sector workers where they are.

This field note is being written. It is intended as a quick, operational record of the product — the design choices behind it, the early data on uptake, and what the experience suggests for similar products elsewhere on the continent.

What the field note will cover

• · The informal-sector enrolment problem.
• · The design of the “Pay Small Small” product.
• · Early operational data — what enrolment looks like in practice.
• · What is and isn’t translating.