Morocco Overhauls Health Insurance System with New Unified Structure
The approval marks a significant step toward implementing King Mohammed VI's vision of universal social protection coverage.
The new legislation, known as Bill 54.23, transforms how Morocco manages its mandatory health insurance (AMO) system.
The Ministry of Health and Social Protection announced that this reform represents a major legislative turning point in strengthening social protection governance across the kingdom.
Single management authority takes control
The centerpiece of the reform places all basic health insurance schemes under one roof. The National Social Security Fund (CNSS) will now supervise the entire system, replacing the previous fragmented approach.
Officials believe this unified management structure will boost both efficiency and transparency in healthcare delivery.
'This consolidation eliminates the confusion and delays that patients often faced when dealing with multiple insurance bodies,' ministry officials explained in their statement.
Students and young adults see expanded coverage
The new law eliminates the separate student insurance scheme while protecting existing beneficiaries' rights. However, young adults will benefit from extended coverage, as the age limit for dependents increases from 26 to 30 years old.
This change means thousands of young Moroccans can remain on their parents' insurance plans for four additional years, providing crucial support during early career transitions.
AMO Tadamon program gets clear guidelines
The legislation clarifies access conditions for the 'AMO Tadamon' program, which serves citizens unable to afford insurance contributions.
The bill maintains protections for public sector employees and their families while establishing clearer pathways for vulnerable populations to access healthcare.
Smooth transition for mutual insurance companies
Recognizing that change takes time, the law includes provisions for mutual insurance companies during the transition period. This ensures patients continue receiving care while the system prepares for an integrated, complementary insurance model.
The reform also allows the managing authority to fund health prevention and awareness campaigns, connecting insurance management with broader public health initiatives.
Building toward Health Dignity for all
Ministry officials frame these changes as essential steps toward guaranteeing 'health dignity' for every Moroccan citizen, especially as it aligns with Framework Law 09.21, which mandates creating a single management body for social protection schemes and updating related legislation.
Next steps in social protection expansion
This health insurance reform forms part of King Mohammed VI's broader social protection expansion initiative, with a unified management structure that creates a foundation for future improvements in healthcare access, quality, and equity across Morocco.
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