The social health benefits program run by Indonesian government (BPJS) has been implemented nation-wide. Even the national and provincial budget on health has been raised to ensure the health coverage across nation. Still, data shows that not all people has already registered to be the beneficiary of any health insurance, whether it’s the BPJS or any kind of public or private health benefit. This study examines the determinants associated with health insurance ownership among people, and further, among the informal workers only, since most formal workers usually been given health benefit. Data came from the fifth wave of Indonesian Life Family Survey of 2014, a nationally representative survey. Descriptive statistics and bivariable logistics regression were used to identify the determinants of health insurance ownership. We found that only income is significant in determining the ownership among informal sectors, while chronic condition, smoking behavior, risk preference, and education are only significant in the general sample.