The National Health Insurance Agency (French: Agence Nationale de l'Assurance Maladie; ANAM) is the Moroccan regulatory body responsible for overseeing and framing the Basic Mandatory Health Insurance (French: Assurance Maladie Obligatoire; AMO). Established in 2005 under Law No. 65-00, the agency plays a central role in Morocco's universal health coverage (UHC) reform, ensuring the technical regulation of the system and the financial sustainability of health insurance funds.[1]
ANAM is tasked with several strategic missions to ensure the efficiency of the Moroccan health insurance system:[2]
Regulation: Managing the technical framework of the AMO and ensuring the compliance of insurance funds (CNSS and CNOPS).
Medical Nomenclature: Establishing and updating the medical acts and pharmaceutical lists eligible for reimbursement.
Standardization: Overseeing the medical coding and standardization of administrative documents.
Technical Support: Providing technical framing for the transition from RAMED to the "AMO-Tadamon" system for vulnerable populations.
Universal Health Coverage Reform
Under the 2024–2026 strategic roadmap, Morocco accelerated the expansion of health insurance to all citizens. By 2025, the coverage expanded significantly to include independent workers and those previously covered by the RAMED social assistance scheme through the AMO-Tadamon initiative.[3]
Key Statistics (2025)
According to government reports released in late 2025, the health insurance system reached a historic milestone in terms of inclusivity:[4]
Indicator
Statistics (H1 2025)
Statistics (Target 2026)
Total Beneficiaries
24.2 Million
32+ Million
AMO-Tadamon Beneficiaries
11.4 Million
12 Million
Basic Mandatory Coverage Rate
~95%
100%
Financial Sustainability and Challenges
The 2026 Finance Bill (PLF 2026) highlighted the need for rigorous financial management to ensure the long-term sustainability of the health insurance system. Challenges include the rising costs of chronic diseases and the balance between contributions and reimbursements.[5] Concerns regarding the funding of the expanded system were also raised in social and economic studies aiming to stabilize the reserve funds.[6]
Digitalization and E-Health
ANAM has integrated digital solutions to streamline the medical reimbursement process and identity verification. The "Digitalization of the AMO" plan includes a white paper on e-health to implement interoperability between private and public healthcare providers.[7]
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