FRIEDRICH-EBERT-STIFTUNG – A majority working in the shadows Table 4.A9 Reasons for unwillingness to join a health insurance scheme by employment status(frequency) Benin Côte d’Ivoire Ethiopia Kenya Senegal Zambia Employers Own-account workers Employees Family workers Employers Own-account workers Employees Family workers Employers Own-account workers Employees Family workers Employers Own-account workers Employees Family workers Employers Own-account workers Employees Family workers Employers Own-account workers Employees Family workers Insufficient financial resources 54.1 60.6 64.2 87.5 37.5 51.4 61.7 50.0 31.3 43.9 53.3 0.0 42.9 66.9 76.3 66.7 55.6 53.2 64.6 20.0 66.7 69.0 67.6 53.8 Don’t trust health insurance scheme 13.5 Don’t know anything about how they work 32.4 17.4 21.2 26.4 9.4 … 12.5 … 62.5 19.9 26.7 12.8 19.1 … 50.0 31.3 31.3 25.3 25.6 20.0 20.0 50.0 33.3 35.7 21.4 15.8 15.0 11.8 9.7 … 16.7 33.3 5.6 23.4 16.6 20.8 6.3 60.0 … … 33.3 10.4 17.2 … 26.5 … 38.5 Other … 0.8 … … … 2.1 6.4 … 6.1 5.2 6.7 16.7 … 2.3 2.2 16.7 5.6 6.8 8.3 20.0 … 3.4 5.9 7.7 Total 100 100 100 100 100 100.1 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 40