Health insurance is important for covering healthcare costs, especially in micro insurance schemes. A study in Gujarat analyzed factors influencing people's decisions to buy health insurance. They found that income, healthcare expenses, age, coverage of illnesses, and knowledge about insurance all affect the decision to purchase health insurance. Income also influences the amount of insurance purchased, along with the number of children in the family, age, and expectations about future healthcare costs. These findings can help improve access to health insurance for more people.