VitaVox Institute

Reform of Compulsory Health Insurance

Draft Law 54.23 reforms AMO in Morocco by centralizing management within the CNSS, expanding student coverage and preparing the transition from CNOPS.

By:
ET
Editorial team
Coverage and financing

Compulsory health insurance reform in Morocco

As part of an effort to strengthen the efficiency and universality of Morocco’s health system, Minister of Health and Social Protection Amine Tahraoui presented Draft Law No. 54.23 on Tuesday in Rabat. The text proposes important amendments to Law No. 65.00 on Compulsory Health Insurance (AMO), as part of national ambitions for social protection.

What Are the Objectives of This Reform?

The draft law mainly aims to:

  1. Unify AMO management: The National Social Security Fund (CNSS) would become the sole manager of the AMO scheme for the public sector, replacing the National Fund of Social Welfare Organizations (CNOPS).
  2. Extend medical coverage: Students whose contributions had until now been covered by the state will now be able to benefit, under certain conditions, from the scheme intended for people unable to pay membership fees. In addition, the coverage age for unmarried students will be extended to 30.
  3. Maintain continuity of benefits: CNOPS members will continue to benefit from existing services under third-party payment, ensuring a smooth transition.

A Royal Reform

This legislative initiative falls within the framework of the High Royal Directives and the framework law on social protection, which emphasize two fundamental principles:

  • The creation of a unified body to manage AMO schemes, ensuring better coordination and efficiency.
  • The revision of legislative and regulatory texts to broaden access to care and improve governance mechanisms.

What Impact on Morocco’s Health Sector?

By centralizing AMO management within the CNSS, this reform could simplify administrative processes, reduce costs linked to fragmentation across organizations and improve equity in access to care. However, it also raises challenges, particularly in terms of transition for CNOPS employees, whose integration into the CNSS will need to be supported by a clear framework to preserve their rights.

For students, this reform marks an important step toward more inclusive medical coverage. But it also raises the question of whether available resources are adequate for a growing insured population.

A Key Reform for Achieving Universality

As Morocco continues its path toward the generalization of social protection, this legislative reform will be decisive. It embodies a desire to modernize and rationalize the health system while aligning with the major objectives of social justice and sustainable development.