How much is SHA per month?
Contribution calculator — 2.75%, minimum KES 300
On this page · 6 sections
The rules behind the calculator
| Rule | What it says | Source |
|---|---|---|
| Rate | 2.75% of gross monthly income; no upper limit for any group | SHA |
| Minimum | KES 300 a month | Regulations 2024 |
| Salaried | Deducted by the employer, paid by the 9th of each month | Regulations 2024 |
| Self-employed / informal | A yearly contribution: 2.75% of household income estimated by the means-testing tool | SHA |
| Two earners | The household's incomes are combined before applying 2.75% | SHA FAQ |
| Late payment | 2% of the amount due, charged monthly (penalty system live since 10 July 2025) | Act s.27(6), SHA FAQ |
| Cover | Services only while contributions are up to date; no waiting period | Act s.27(4), SHA FAQ |
For the self-employed, the calculator uses the income you enter; your real amount is the one SHA's means test gives you on afyayangu.go.ke.
How much is SHA per month: worked examples
2.75% of gross monthly income, never less than KES 300 (amounts rounded to the shilling):
| Gross monthly income | SHA per month | SHA per year |
|---|---|---|
| KES 10,000 or less | KES 300 (the minimum) | KES 3,600 |
| KES 15,000 | KES 413 | KES 4,950 |
| KES 20,000 | KES 550 | KES 6,600 |
| KES 30,000 | KES 825 | KES 9,900 |
| KES 50,000 | KES 1,375 | KES 16,500 |
| KES 100,000 | KES 2,750 | KES 33,000 |
| KES 200,000 | KES 5,500 | KES 66,000 — no ceiling |
The minimum applies to incomes up to about KES 10,909 a month, where 2.75% comes to less than KES 300. Two working spouses each pay on their own salary through their employers. Not salaried? Your figure comes from SHA's means test, not from this table — see SHA registration for how means testing works.
How to pay
Pay through paybill 200222 or by dialling *147#, according to the SHA FAQ; every channel, Lipa SHA Pole Pole instalments and the CR number are explained in how to pay SHA and the SHA CR number. Primary care and emergency services stay open even when contributions lapse (SHA), and there is no waiting period after registration (SHA). Employers who fail to remit deductions face a fine of up to KES 2 million or 3 years in prison (Act s.48).
Topping up SHA with private cover
SHA covers a defined benefit package. Many families add a private medical plan for wider hospital choice or outpatient limits — see health insurance in Kenya.
Already insured?
Next step
Frequently asked questions
How much is SHA for a salary of KES 50,000?
2.75% of 50,000 = KES 1,375 a month, deducted by the employer.
What is the minimum SHA contribution?
KES 300 a month.
How much is SHA per month for the self-employed?
2.75% of household income as estimated by SHA's means test on afyayangu.go.ke, never less than KES 300 a month. If the result seems too high, the portal has an Appeal Means Testing tab.
How much is SHA for a salary of KES 20,000?
2.75% of 20,000 = KES 550 a month, deducted by the employer.
Is there a maximum SHA contribution?
No. The Social Health Authority states there is no upper limit on contributions for any group.
What happens if I pay SHA late?
A penalty of 2% of the unpaid amount is charged each month, and you cannot use services until arrears and penalties are paid (SHA Act s.27(6)–(7)).
Sources
- Social Health Authority — premium rates
- Social Health Insurance Regulations, 2024 (LN 49/2024) — Kenya Law (archived copy)
- Social Health Insurance Act, 2023 — Kenya Law (archived copy)
- Social Health Authority — means testing
- Social Health Authority — frequently asked questions
- SHA FAQ — Can a member be removed for non-payment?
- SHA FAQ — Register and receive services the same day