In this episode about Kenya's Social Health Insurance Fund (SHIF), we discuss the initiative's ambitious goals and the numerous challenges it faces. Replacing the National Health Insurance Fund (NHIF) in October 2024, SHIF aims to provide comprehensive healthcare to all Kenyans through income-based contributions. However, concerns over transparency, service continuity, and potential fraud have plagued the rollout. Public skepticism, fueled by a recent history of government mismanagement and exacerbated by the timing of the rollout amidst protests against new tax hikes, presents a significant hurdle. The episode explores these challenges in detail, highlighting the need for clear communication, equitable contribution models (especially for informal workers), and a robust healthcare infrastructure. By examining SHIF alongside healthcare systems in other countries, the discussion underscores the importance of government transparency, efficient implementation, and public trust for achieving sustainable universal health coverage in Kenya.