Résumé : The objective of this study was to evaluate the capacity of poor and non-poor households to pay for health care and to show how existing community assistance (or solidarity) networks (CAN) may compensate for this inability. Sixteen (16) study sites were randomly selected after stratification of Benin into four groups. All 1,312 households in our sample (668 poor and 664 non-poor) were interviewed, and 48 focus group were held with opinion leaders, women, healthcare workers, social workers, and persons responsible for these networks. The survey showed that only 27% of the heads of households have permanent financial access to health care and health services. This financial access is lower for the poor (9%) than for others (46%). However, the capacity of heads of households to pay reached 84% (87% for the non-poor and 81% for the poor, with P<0.01). Capacity to pay differs between strata (P<0.001) and is higher in the urban strata. For 25% of the families, intervention of the CAN made payment possible, preferentially for the poor. In 90% of cases, this community support came from the family network. Health centre management committees contributed in only 0.8% of cases. In general, help covered only a small percentage of those in need. The health policy of African countries must ensure that health care is accessible to the population, especially the poor.