Laro, Kazeem OmotayoUbaka, Daniel2023-05-192023-05-192019-111597-877Xhttps://uilspace.unilorin.edu.ng/handle/20.500.12484/10433National Health Insurance Scheme (NHIS) is a strategy by the government for reducing maternal, morbidity and mortality rate because adequate utilization of the health care scheme is associated with improved health outcomes. This study investigated impact of NHIS on healthcare utilization in Ilorin Kwara State, Nigeria. The specific objectives of this study are to determine the level of utilization of NHIS, determine the accessibility and spatial distribution of healthcare centers and to examine the relationship between NHIS and healthcare utilization. Systematic random sampling technique was used to select the 400 respondents from the metropolis. Data was collected using questionnaire. Descriptive and inferential statistics were used to analyze the data generated. The study revealed that 292 (73%) have health insurance. The study also found income, occupation and education as major factors controlling the utilization of NHIS. The result of the correlation between Healthcare Utilization and NHIS in the selected healthcare centers shows that University of Ilorin Teaching Hospital (UITH) has 34%, General Hospital 47% while Civil Service Hospital has 67%. The study recommends that NHIS scheme should be continuously reviewed to ensure that it operates in a manner that will ensure the justification of its implementation and achievement of its goal.enNHIS, Healthcare Services, Healthcare Utilization, Healthcare AccessibilityArticle