Using the survey **data** of 315 respondents chosen randomly in many cities and regencies in North Sulawesi province, the findings suggest that not everyone has the same access to benefit programs as many of them never experience some of the programs. The findings also indicate that BPJS health insurance holders tend to have less good lives as compared to non-BPJS health insurance holders. Those who have BPJS health insurance may come from a poor community whose lives are no better than a rich community. Although the rich community is also a member of BPJS health insurance, since the launch of BPJS health insurance in 2014, the local government has encouraged the poor community to have BPJS health insurance. This encouragement increases the chunk of the poor community in the BPJS health insurance program; therefore, those who have BPJS health insurance have a less good life. Meanwhile, being the holder does not statistically affect the ability to meet daily needs. On the other hand, spending on electricity reduces the ability to meet daily needs but not necessarily make lives better or worse.