In 2025, Morocco’s compulsory health insurance (AMO) covered over 32 million people, or 88% of the population. Reforms advanced unified system management, financial sustainability, and cost control ahead of transferring public-sector AMO oversight to CNSS in 2026.
In 2025, Morocco’s compulsory basic health insurance scheme (AMO) covered more than 32 million people, or 88% of the population, according to the 2026 draft budget note. The “AMO Tadamon” program alone accounted for about 11 million beneficiaries, while the scheme for self-employed workers reached four million people, and the voluntary “AMO Chaamil” system covered over 313,000 individuals. Government contributions to the National Social Security Fund (CNSS) totaled MAD 25.51 billion between December 2022 and September 2025, alongside MAD 1.25 billion paid for public hospital services.
The note emphasized the government’s ongoing efforts to balance broad access to health insurance with financial sustainability. Key reforms in 2025 included the adoption of Law No. 02.24, which amends the Social Security Law, and the completion of Bill No. 54.23 to unify management of compulsory insurance systems. Studies were launched to expand coverage and maintain the schemes’ fiscal stability.
In 2026, implementation of a roadmap will shift management of public-sector AMO from CNOPS to CNSS, finalizing the transition toward unified governance. Authorities will also complete the legal framework, update national reference pricing, control medical costs, and enforce treatment protocols to strengthen the efficiency and long-term sustainability of Morocco’s health coverage system.
