AMO in Morocco: The CNSS Prepares a Stress Test to Assess the Financial Viability of the Systems
The CNSS Aims to Anticipate Risks Related to the Generalization of AMO
The National Social Security Fund (CNSS) is launching a significant actuarial study aimed at evaluating the financial sustainability of mandatory health insurance (Assurance Maladie Obligatoire – AMO) regimes in Morocco over the next ten years. This initiative comes at a time when the expansion of medical coverage has been accelerating since 2020, with the gradual integration of new categories of beneficiaries into the national social protection system. In light of rising healthcare costs and the diverse profiles of those covered, the CNSS is now seeking to measure the ability of various regimes to maintain their financial balance in the medium and long term.
Two Scenarios to Assess the Future of the System
The study will be based on two main scenarios. The first will analyze the evolution of the regimes in their current configuration to determine whether revenue can continue to cover expenses without major reforms. The second will incorporate several reform hypotheses, including a revision of reimbursement rates, contributions, eligibility conditions, and national reference pricing. The CNSS aims to identify the most effective solutions to preserve the system’s balance while minimizing the impact on insured individuals, employers, and public finances. The projections will also consider the potential integration of populations under Article 114 into the employee regime to assess its actual cost on the finances of the AMO.
An Analysis Based on Demographics, Health Expenditures, and Contributions
To establish its projections, the study will rely on several key indicators, such as the evolution of the number of insured individuals, the aging of the covered population, the increase in chronic illnesses, and the rising costs of medical care. Experts will also need to analyze the impact of medical inflation, healthcare utilization behaviors, and labor market changes on the system’s resources. Beyond the financial diagnosis, the CNSS expects concrete recommendations to sustainably strengthen the viability of the regimes through funding adjustments and healthcare spending control mechanisms.
Five AMO Regimes Subject to Stress Tests
This study will focus on the five AMO regimes managed by the CNSS: the public sector regime, the private sector employees regime, the self-employed workers regime, and the AMO Tadamon and AMO Achamil programs designed for vulnerable populations. Through this actuarial stress test, the CNSS aims to gain a clear understanding of the financial health of the system in order to prepare for the necessary reforms to ensure the sustainability of universal medical coverage in Morocco.
