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This paper analysed factors that influence the demand to join community health insurance scheme. Using random sampling, data were collected from 130 households at Dodoma Municipality in Tanzania. Logistic regression model was used in testing the socio economic and demographic factors influencing decisions to join the health insurance scheme among the households. It was found that, age, increased levels of schooling and increased income levels of individuals influence the chances of joining CHIS. However, being a female individual and higher distance to health facility decrease the chances of joining the scheme. The analysis also suggests that the professional activity carried out, the marital status of the individuals, as well as the number of dependents in a household do not explain the decision to join Community Health Insurance Scheme. In view of the research findings, policy proposals are suggested including creating an enabling environment by putting in place a coherent legal and policy framework, financially supporting the very poor and vulnerable groups who are unable to pay premium to make the schemes more inclusive, increase in funding for health services and improvement in the quality of care, continued awareness creation of communities/ patients on the importance of joining health insurance schemes.