Casablanca – Morocco’s Mandatory Health Insurance (AMO) system continued to expand in 2025, with the number of beneficiaries reaching 25.08 million, up 3% from the previous year, according to figures presented by the National Social Security Fund (CNSS).
The expansion came alongside a significant increase in healthcare reimbursements. Benefits paid through the various AMO schemes reached approximately $2.33 billion in 2025, representing a 17% increase compared with 2024.
The latest figures highlight the growing scale of Morocco’s social protection system, while also pointing to financial pressures within some of its insurance schemes. In particular, the AMO system covering self-employed workers recorded benefits substantially above the contributions collected, raising questions about the long-term balance between coverage and financing.
The figures were reviewed during an ordinary meeting of the CNSS Board of Directors held in Casablanca on September 3, chaired by Economy and Finance Minister Nadia Fettah. The meeting also addressed the CNSS’s broader social security activity, contribution collection, inspections and plans for further digital development.
Salaried workers remain the largest contributor-based group
The AMO scheme for salaried workers recorded more than 4 million principal insured members in 2025, an increase of 5% from 2024.
Benefits paid to this category amounted to about $951 million, compared with the previous year, representing an increase of 12%.
The figures reflect the continued expansion of formal employment coverage through the CNSS. The fund reported that the number of employees declared by employers reached 4.24 million in 2025, up 4% year on year.
The total declared payroll also increased considerably, rising from approximately $22.94 billion in 2024 to around $25.24 billion in 2025. This represented a 10% increase and provided a broader contribution base for the social security system.
The growth in declared employment and payroll indicates that more workers and employers were incorporated into the formal social security system during the year.
Self-employed scheme faces financial imbalance
The AMO scheme covering self-employed workers counted 1.69 million principal insured members in 2025, an increase of 4% from 2024.
However, this scheme continued to experience a structural financial deficit. Benefits paid reached approximately $235 million, up 24%, while the ratio of benefits to contributions reached 157%.
That means that for every dollar collected in contributions under the scheme, around $1.57 was paid out in benefits during 2025.
The ratio increased by 25 percentage points compared with 2024, indicating that expenditure pressures intensified during the year.
The CNSS and relevant government departments are working to increase participation in the scheme and improve the collection of contributions. Expanding the number of contributors is expected to be important for improving the financial balance of the system as coverage continues to grow.
The situation also illustrates one of the challenges facing Morocco as it expands mandatory health insurance to a wider range of workers and households: increasing coverage must be accompanied by mechanisms capable of generating sufficient and regular financing.
Solidarity scheme covers nearly four million people
Another major component of the system is AMO TADAMON, which covered approximately 3.95 million people in 2025.
Benefits paid through the scheme reached about $875 million, an increase of 13% compared with 2024.
AMO TADAMON forms part of the broader effort to extend health insurance protection to people who previously had limited or no access to formal health coverage. Its large beneficiary base means that it represents a significant component of total AMO expenditure.
At the same time, the AMO ACHAMIL scheme covered 265,551 principal insured members, an increase of 70% from 2024. Benefits paid under this scheme amounted to approximately $140 million.
The sharp increase in the number of ACHAMIL beneficiaries suggests that coverage is continuing to expand among groups being incorporated into the national insurance framework.
CNSS social security activity also expands
The health insurance figures were accompanied by growth in the CNSS’s wider social security activity.
Contributions due to the fund reached approximately $3.76 billion in 2025, up 9% compared with the previous year.
Benefits paid under the broader social security system increased from about $3.06 billion in 2024 to $3.25 billion in 2025.
The difference between the broader social security system and AMO is important when assessing the CNSS figures. The $2.33 billion in AMO benefits represents health insurance reimbursements, while the approximately $3.25 billion in total social security benefits covers the wider range of payments administered through the system.
The increase in both contributions and benefits reflects the expanding scale of the CNSS as more workers become formally registered and more people gain access to social protection programs.
Inspections help regularize workers and payroll
The CNSS also increased its monitoring activities in an effort to improve compliance and combat undeclared employment.
During 2025, the fund carried out 10,411 inspection and control operations, an increase of 22% from 2024.
These operations resulted in the regularization of the employment status of 151,682 workers, representing an increase of 24% year on year.
The inspections also led to the regularization of declared payroll worth approximately $680 million, up 63% from 2024.
The fund additionally recovered around $541 million through collection operations during 2025, compared with approximately $494 million in 2024. This represented an increase of 10%.
The figures suggest that enforcement and collection have become increasingly important as the CNSS seeks to broaden its contribution base and ensure that employers and workers comply with social security requirements.
Financial sustainability becomes a key issue
The expansion of AMO has increased the number of people benefiting from health insurance, but it has also resulted in higher spending.
Overall AMO benefits increased by 17% in 2025, considerably faster than the 3% growth in the number of beneficiaries. This does not necessarily mean that costs increased at the same rate for every beneficiary, since expenditure can also be affected by medical prices, the type of treatments reimbursed and changes in the use of healthcare services.
Nevertheless, the figures show that maintaining financial sustainability will be an important issue as Morocco continues to expand health insurance coverage.
The situation is particularly pronounced in the self-employed workers’ scheme, where the benefits-to-contributions ratio reached 157%. Improving contribution collection and ensuring that eligible workers remain enrolled are therefore key elements of the authorities’ response.
CNSS plans further digital and administrative changes
The CNSS Board of Directors also approved its 2026 action plan and budget and reviewed the fund’s annual accounts and management report.
Several strategic measures were approved to support the institution as it assumes additional responsibilities. These include strengthening information-system security and creating a subsidiary dedicated to accelerating digital transformation.
Another planned subsidiary will be responsible for managing the CNSS’s polyclinics.
The move toward greater digitalization is expected to affect the administration of social security services, including data management and interactions with beneficiaries and employers. Strengthening information security is also becoming more important as larger amounts of employment, contribution and health insurance data are processed through digital systems.
Morocco’s latest CNSS figures therefore show two developments taking place simultaneously. The country’s health insurance system is reaching a substantially larger share of the population, with more than 25 million beneficiaries, while the financial requirements of providing that coverage are also increasing.
The challenge for the coming years will be to maintain the expansion of coverage while improving contribution collection, reducing undeclared employment, managing healthcare expenditure and preserving the financial balance of individual insurance schemes. The CNSS’s increased inspection activity, higher collections and planned digital reforms form part of that effort as Morocco continues to develop its social protection system.
