This paper explores the intricate relationship between financial literacy and health insurance as key determinants in fostering financial inclusion among middle-aged class. By examining the mutual connections and co-influence between these concepts, the study aims to uncover how enhancing the health literacy to facilitate greater financial inclusion. Financial Literacy empowers individuals to make sound decisions regarding health insurance, risk management, healthcare cost, and insurance coverage. Conversely, Adequate health insurance which suits your health plan act as financial safety net, reducing huge health-related expenditures and promote financial stability. This study is conducted using a descriptive and analytical design, surveyed 101 respondents in Kozhikode District via convenient sampling through interview schedule. Data analysis involved mean scores, Chi-square, and t-tests. This research proposes that by integrating financial education with health literacy programs we can a create a synergistic effect that leading to an improved health outcome and enhanced financial well-being. This study will facilitate the development of comprehensive strategies that address the financial and health challenges faced by individuals and thereby promoting financial inclusion.