This study of 1,019 primary care attendees in post-conflict Northern Sri Lanka found that older adults (50+ years), Tamil ethnicity, lower education levels, and rural residence were significantly associated with healthcare utilization, particularly for chronic diseases. Despite a universal healthcare system, most participants bypassed local primary medical care units in favor of divisional hospitals, and many reported out-of-pocket payments at point of care. These findings highlight the need for health education, better resource allocation, and formalized referral pathways to improve efficiency and equity in post-conflict healthcare settings.