Background: Innovative strategies such as mobile health (mHealth) are a serious requirement for the attainment of universal health coverage in Africa. An increasing amount of evidence proves that mHealth interventions may have the capacity to significantly reduce the cost of accessing medical care, especially in rural areas. A mobile text messaging system (MTMS) Framework was recently developed and successfully implemented in Ghana. Objective: The aim of this research was to conduct an empirical analysis of the cost-cutting effect of the newly developed MTMS framework. Method: Empirical data was collected from 32 hospitals and clinics in four districts (Mamprusi East District, Tamale Metropolis, Lawra District and Wa Metropolis) of two of the poorest regions of Ghana; the Northern and Upper West Regions. A purposeful interview was scheduled with caregivers, heads of institutions and patients to determine the cost of accessing healthcare at the health centers. Transportation, admission/readmission, emergency, complications and consultation were used for cost buildup. An average for each health center was determined and coded with MS Excel 2019. Further analysis was conducted using statistical tool SPSS v20. Results: The finding reveal that the newly developed mHealth framework can be used as a tool to cut cost of accessing healthcare by 18.88%, representing $24.04 savings per month. Also, transportation, inpatient traffic and emergency cases were observed to have reduced by 20% each. The findings further indicated that there was improvement in health outcomes, patient experience and clinical governance resulting from the cost cuts and efficiency of the system. Conclusion: The ability of Mobile Text Messaging System Framework to reduce the cost of accessing healthcare in rural areas by 18.88%, provides a great potential to significantly improve the quality of health service delivery in Ghana by scaling and integrating the model into the existing national health system. By harnessing the ubiquitous nature of mobile phone among different levels of citizens, MTMS offers the solution to affordable healthcare. This would strengthen the health systems leading eventually to the realization of the Universal Health Coverage (UHC) as proposed by the UN.