The Social Health Authority (SHA) benefits are not commensurate with the 2.75 per cent deductions it imposes on contributors' payslips.
According to the nurses' union and welfare body, SHA implementation has also fallen short, with many promised services failing to materialise.
This is despite the SHA benefits package being considered superior to the defunct National Health Insurance Fund (NHIF).
The Kenya National Union of Nurses and Kenya Nurses Association state that SHA's failure has left most Kenyans struggling to access healthcare.