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Introduction to the New Health Insurance Mandate
Starting in 2026, Moroccan companies will be required to transition to a new mandatory health insurance system known as AMO, which is managed by the National Social Security Fund (CNSS). This change affects all businesses, including those that have previously offered private health insurance to their employees. These companies will now be obligated to contribute to the AMO system, with no exceptions allowed. Although the legislation is still being reviewed by the parliament, it is expected to be passed before the end of the year, according to a reliable source from the Insurance and Social Welfare Control Authority (ACAPS).
Impact on Large Corporations
The most affected entities will be large corporations categorized under the “Affiliés 114” group. These companies have operated under a special regime that allowed them to provide health insurance through private providers. Despite making up only 1% of CNSS-affiliated companies, they account for 31% of declared salaries. Their employees earn, on average, more than double the salary of other insured individuals. Integrating these companies into the public system is expected to significantly impact the overall funding of the AMO.
Supplementary Health Insurance Options
Mutual insurance plans will continue to be available but only as supplementary options. Employers who choose to maintain these plans will face additional costs, as they will need to pay for both contributions to the AMO and the mutual insurance. For employees, this change will be noticeable. Many have enjoyed nearly full coverage of their healthcare expenses, but under the AMO, reimbursements average around 79%, based on a fee schedule that often falls below actual costs.
Strengths of the AMO System
One of the key strengths of the AMO system is its comprehensive coverage of chronic illnesses. In 2023, more than half of healthcare expenditures were allocated to this area, with the average cost for a patient with a long-term condition exceeding 15,000 dirhams. The inclusion of large companies in this system could help alleviate the financial burden on both patients and the healthcare system.
Reorganization of Insurers
Insurers are expected to undergo a reorganization, adapting their offerings to focus on supplementary health insurance and strengthening their collaboration with the CNSS. Discussions are already underway about creating a digital one-stop shop to streamline procedures. This initiative aims to make the process more efficient and accessible for both employers and employees.
Conclusion: A Step Toward Unified Regulation
This reform marks the end of a long-standing exception for both employees and employers. For Morocco, it represents a significant step towards unifying companies under a single regulatory framework. The transition to the AMO system is not just a regulatory change but also a move toward a more equitable and sustainable healthcare model. As the country moves forward, the focus will be on ensuring that all workers receive adequate healthcare coverage while maintaining the financial stability of the system.
