Morocco’s push to make health insurance universal is rapidly becoming a reality. By the end of 2025, over 32 million people—nearly 88% of the population are covered by mandatory health insurance, a dramatic rise from just 42% before the reform began. These figures, released in the 2026 Finance Bill’s policy overview, reflect a fundamental shift in the country’s healthcare model.
Central to this expansion is the “AMO-Tadamon” program, aimed at supporting the most economically vulnerable. Nearly 11 million people are now covered under this plan. To ensure its sustainability, the government has funneled 25.51 billion dirhams into the national social security agency (CNSS) over the past four years, with 7.53 billion dirhams allocated during just the first three quarters of 2025 alone.
In addition, the state has spent 1.25 billion dirhams to cover co-payments for services provided in public health facilities between February 2023 and April 2025—an important measure to reduce out-of-pocket costs for low-income patients.
Coverage has also expanded among independent workers. The “AMO-TNS” plan now includes around 4 million self-employed individuals. Meanwhile, the optional “AMO-Achamil” scheme has brought over 313,000 previously uncovered people into the national healthcare system.
The year 2025 marked more than just enrollment gains—it also brought legislative progress. The adoption of Law No. 02-24 updated the national social security framework, aligning it more closely with current needs and long-term goals. Alongside this, a complementary bill (No. 54-23) was finalized to revise the code governing basic medical coverage. Several studies were also conducted to ensure broader uptake of the AMO system while maintaining its financial viability.
Looking to 2026, a number of critical reforms are expected to move forward. Chief among them is the transfer of public-sector insurance management from CNOPS to the CNSS. This long-planned transition is designed to streamline administration and ensure a unified management structure. To make this shift effective, the government will need to pass key regulatory texts and complete the necessary governance frameworks.
Other reforms are also on the agenda. These include a revision of the national benchmark pricing system for medical services, tighter oversight of healthcare spending through medical audits, the implementation of standardized treatment protocols, and fresh studies aimed at identifying new levers to improve the system’s efficiency.
Together, these initiatives point to a broader ambition: to build a fair, financially sustainable, and fully inclusive healthcare system that leaves no one behind.
