 In India, many people lack access to quality health care due to their low income levels. Micro health insurance, MHI, has been developed as a way to provide affordable health insurance for these individuals. This paper examines the factors that influence the decision to purchase MHI in India. The results suggest that education does not play a significant role in the decision to purchase MHI, while previous experience with illness or debt can be important. Additionally, the authors found that the cost of insurance is not necessarily a deterrent to purchasing it, suggesting that the potential benefits of insurance may outweigh the costs. This article was authored by Basri Savita and Subrado Banerjee.