Maternal and child mortalities are among major health problems facing developing countries such as Ghana. Most
of these deaths can be avoided by utilization of maternity health care services. The study examines the effect of health
insurance holding and other socioeconomic and demographic factors on the choice of health facility for childbirth in Ghana.
The study used data from the 2008 Ghana Demographic and Health survey. Data were analyzed for descriptive statistics as
well as a Multinomial Logistic Regression for identification of factors that influence delivery in health facility. The study
results have shown that, holding of health insurance and wealth significantly influences expectant mother’s decision to use
government health facilities for childbirth. Also, the study revealed considerable variations in region and between rural and
urban utilization of this services in Ghana. It is recommended that in order to improve the utilization of health facility for
childbirth services and hence maternal health care utilization, there is the need to improve public awareness and efforts should
also be taking by policy makers to integrate the private sector properly into the National Health Insurance scheme. Policy
should also target mothers who have had the experience of child birth on the need to use health care facility services for each
pregnancy. The government and other service providers (NGOs, religious institutions and private providers) may endeavor to
improve on the distribution of health facilities, human resources, good roads and necessary infrastructure among other things in
order to facilitate easy access to health care providers especially for rural dwellers.