Introduction and Summary The Dubai Health Authority is anchored on two major ideals. First, all residents of the city ought to have access to healthcare. Secondly, healthcare must be of high quality that can fulfil the needs of the targeted population. It is a requirement for all residents and nationals of Dubai to have mandatory healthcare coverage. In Abu Dhabi, the mandatory health insurance law was enacted in the year 2005. The requirement is extended to companies in Abu Dhabi and migrant workers in the company. There are several relevant outcomes deduced from these laws in the United Arab Emirates. First, all residents of the two cities of the country are mandated to have insurance covers. Secondly, companies are obligated by the laws in the country to cover all workers with insurance covers. Thirdly, recognition of non-residents as part of targets of insurance covers has helped put all under favourable access to health care. These elements of healthcare policies in the two cities point to a country focussed on enhancing quality healthcare in the country. However, there are still a number of shortcomings in the two healthcare insurance cover policies. As a way of providing effective mandatory health insurance policies in Abu Dhabi and Dubai, the administrations should focus on the overall cost, localities of coverage by the insurance policies on the insured and the network of services provided in the insurance covers. Background Abu Dhabi and Dubai now have mandatory insurance policies enacted in 2005 and 2014, respectively. These laws target nationals and residents of the two cities. The laws also obligate companies in the two cities to cover their employees, whether they are originally from the country or immigrants. According to Jabbour & Yamout (2012), effective healthcare insurance covers are supposed to maximally relieve health burdens of the insured. Insurance covers covering only parts of required healthcare requirements fail to capture the aspirations of the insured, and essentially, is a challenge to the county in attracting foreign investment. There are several shortcomings in Abu Dhabi and Dubai mandatory healthcare insurance policies. Chapter two, Article 3 of the Law Number (23) of 2005 in the Emirate of Abu Dhabi exempts a number of categories from the health insurance cover. For example, a non-UAE wife who is married to a national in the country is exempted from this healthcare plan. Also, there is no particular health provision in the law for tourists coming to the country. Chapter 2, Article 4 of the law state that the nationals are not mandatorily required to subscribe to the cities healthcare plan. Such kind of exemptions and non-requirements are general challenges that may harbour or have harboured effective implementation of an effective healthcare scheme. Jabbour & Yamout (2012) is of the view that an effective healthcare insurance scheme is one that is mandatory to all nationals of a country. To non-residents, it is supposed to be voluntary. The shortcomings witnessed in the two laws governing healthcare access in the United Arab Emirates, and specifically in Abu Dhabi and Dubai compromise the quality of healthcare. Important in good access to healthcare and in instituting insurance healthcare schemes is the leverage of costs, widening the network of access and increasing the scope of access to healthcare. T