AMO Phase 2: Self-Employed and Non-Salaried Workers Integrated into Morocco's Compulsory Health Insurance

Morocco is taking a major step forward in its policy of universal social protection: Phase 2 of the Assurance Maladie Obligatoire (AMO) now brings self-employed workers, non-salaried individuals, and artisans into the compulsory health coverage scheme. This reform is accompanied by a record health budget of 42.4 billion dirhams for 2026, representing a substantial increase on previous years.

For MRE who carry out self-employed activity in Morocco, consultants, service providers, artisans, farmers, this development is particularly significant. It means you can now access basic health cover in Morocco, including inpatient and outpatient care, provided you register with the CNSS (Caisse Nationale de Sécurité Sociale) and make regular contributions.

The registration process is straightforward: declare your activity via the CNSS DAMANCOM online portal, select the contribution bracket appropriate to your income, and pay your contributions on a quarterly basis. Contribution rates are calculated in proportion to declared income, with a minimum threshold in place for lower earners.

For MRE who simultaneously carry out professional activity in Europe and in Morocco, the question of dual health coverage warrants careful consideration. In certain circumstances, it is possible to benefit from two complementary schemes. A cross-border social protection specialist can help you optimise your situation and avoid duplicate contributions.

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