The objective of our study is to assess the level of universal health coverage through health insurance mutuals in the public health facility of Kaffrine. To achieve this objective, we used a linear model with qualitative variables, inspired by Joseph Berkson’s Logit regression model. Our main findings revealed that the key factors hindering membership in health insurance mutuals are essentially: the low level of education, a population largely composed of young people who place little importance on mutual health schemes, low monthly income, long distances between mutual agencies and populations in remote areas, and the population’s lack of trust in health insurance mutuals.
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