 I'm Angela Micah. I'm a third year doctoral student at Tulane University School of Public Health. My poster is on health insurance as a policy instrument for promoting inclusive growth evidence from Ghana. The Commission on Microeconomics and Health has documented the importance of investing in health as a tool for promoting economic development in countries. Implementing a national health insurance scheme is one way in which a government can promote inclusive economic development. Ghana implemented a national health insurance scheme in 2004. The scheme since its introduction has gained a lot of attention because of its novel way of health financing as well as the potential it has to impact access to health care for Ghana. The objective of this study is to assess whether the introduction of the health insurance scheme has promoted inclusive growth in Ghana. Specifically, I'm interested in assessing the impact of health insurance coverage on pregnant women's use of A and C services by socioeconomic groups. The diagram here highlights how public policy can be used to impact socioeconomic differences. For the analysis, I used the 2008 Ghana Demographic Health Survey. It's a nationally representative survey, but for the study sample, I limited to women who have had a pregnancy within the previous five years. My outcome of interest is whether the woman had four or more A and C visits and the independent variable of interest is whether they had health insurance as well. In the empirical approach, I'm using propensity score matching techniques and that is an evaluation method that allows the construction of a comparison group based on observable characteristics. Here I'm using it to estimate the impact of having health insurance on pregnant women's use of A and C in each socioeconomic group so that I can observe whether there's differential impacts across socioeconomic groups. Table one here highlights the socioeconomic differences in A and C use. We can see that although A and C uses relatively high in Ghana, there's substantial differences across socioeconomic groups. Amongst the richest pregnant women, almost 97% have four or more A and C visits whereas only around 66% of the poorest pregnant women have more than four A and C visits. Table two compares insured pregnant women to uninsured pregnant women across various characteristics and here we observe most of the expected relationships. The richer pregnant women are more likely to have health insurance. The more educated ones are more likely to have health insurance. Table three and figure two presents the results from the propensity score matching technique. Table three is the overall impact and that shows that amongst pregnant women, the insured ones have increased likelihood of 11 percentage points of using more than four visits to the A and C services whereas this is lower for the uninsured pregnant women. The key finding from the study is in figure two. This shows the insurance effect by socioeconomic groupings and so here you realize that for the poorest pregnant women, having health insurance increases the likelihood of them having more than four visits by 18.4 percentage points. Whereas for the richer pregnant women, that increases only 6.3%. This shows that health insurance does have an impact on A and C use and more importantly that that impact is differential in that it promotes inclusive growth because the differences are poor-poor if you would say. The poorer people have a higher impact than the rich people. I would say that it's important to know that health insurance is not the only tool that should be addressed if governments are looking to minimize the socioeconomic disparities in health service use. The findings from this study can be used by similar African countries that are interested in setting up national health insurance programs. Thank you.