The chapter focuses on health insurance coverage with the help of NFHS-5 estimates. The analysis shows an increase in health insurance coverage to 41% of households, indicating the influence of the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana scheme, especially in northeastern India. The study highlights variations in coverage at geographic levels and emphasizes the importance of government-led programs for achieving excellent coverage. It also mentions that states like Haryana, Maharashtra, and Punjab, where private insurers and Third-Party Administrators are involved, have not met expectations.The uneven development of the private health insurance sector and the relative failure of government-sponsored schemes in northern India are attributed as possible reasons. The author emphasizes the need to bridge the gap between national objectives and local health systems to ensure the success of AB-PMJAY. Monitoring the scheme's usage, impact on out-ofpocket expenses, and health outcomes is crucial for assessment.