Compulsory health insurance: benefits for self-employed people planned for the start of 2022


•Traders, craftsmen, auto-entrepreneurs and people subject to the CPU scheme, among others, will benefit from compulsory health insurance benefits from next January.

From 1er January, people subject to the CPU scheme can begin to receive AMO benefits. A month later, the 1er February, it will be the turn of merchants and artisans keeping accounts. 1er March, self-employed entrepreneurs will in turn begin to benefit from the compulsory health insurance services provided by the CNSS. This announcement which has just been made by the CNSS is the immediate concretization of the decisions taken during the government council held on Wednesday, November 17, entirely devoted to the implementation of the generalization of compulsory health insurance.

The Council of Government indeed adopted, during this meeting, the draft decree implementing the provisions of Law No. 98.15 and Law 99.15. The objective being to determine the methods of application of their provisions to auto-entrepreneurs, through provisions relating to the fixing of the amount of contributions to the AMO on the basis of the additional rights defined in the general tax code, as well as than the amount of contributions to the pension scheme based on a coefficient of 1.75 applied to the amount mentioned.

This decree includes the provisions determining the frequency of additional payments, the effective date of registration and the identification of the organization cited in Article 11 of Law No. 114.13 relating to the auto-entrepreneur regime. , namely Poste Maroc, the liaison body responsible for providing the CNSS with the information necessary for the registration of auto-entrepreneurs. At the same meeting, the decree relating to the AMO scheme and pensions for the benefit of traders and craftsmen keeping accounts was adopted. This text includes the provisions fixing the fixed income, on the basis of which the amount of the contribution is calculated.

The decree designates the DGI as the communication body responsible for providing the CNSS with information relating to traders and craftsmen.

On the same day, the decree relating to persons subject to the single professional contribution regime (CPU) was validated. The text includes the provisions specifying the amount of affiliation to the AMO on the basis of the additional obligations defined in the general tax code, and the amount of contribution to the pension scheme on the basis of a coefficient of 1.57 applied to said amount. , with precision of the effective date of registration, the payment schedule, while entrusting the DGI as the communication body responsible for sending the CNSS the information necessary for the registration of persons subject to to the CPU.

In addition, the government council adopted another decree to the two aforementioned laws. This decree aims to define certain implementing provisions to allow the implementation of the two laws, as well as the means by which the persons concerned can register with the CNSS, in addition to the electronic platform mentioned in Law No. 98.15. .

It also aims to determine the non-electronic instruments through which the contributions due to the CNSS are paid. Among these provisions, there is the use of the department in charge of the budget to define the model of the agreements that the CNSS concludes with public establishments or with persons governed by public or private law, in order to delegate to it the task of collecting the contributions relating to the AMO, in addition to the definition of the list of categories not affected by the provisions of Article 37 of Law No. 98.15, namely midwives and physical therapists.

In the process, the Government Council validated another decree aimed at adding persons subject to the Single Professional Contribution (CPU) regime, traders and craftsmen who keep accounts, as well as self-entrepreneurs, to the list of categories and subcategories of persons subject to the AMO scheme (Law No. 98.15) and the pension scheme (Law No. 99.15) specific to the categories of professionals, self-employed workers and self-employed persons exercising a liberal activity .

The Council of Government also adopted a final decree establishing the Interministerial Commission for steering the reform of the social protection system. This commission’s main mission will be to monitor the implementation of the reform of the social protection system, to coordinate the interventions of the various parties concerned by the said reform, to draw up the list of draft legislative and regulatory texts necessary to the generalization of social protection, to ensure the application and support of projects for the generalization of social protection, to determine the measures and mechanisms necessary for the development of management aspects and the preservation of the financial sustainability of the social protection system, in addition to working towards the establishment of coordinated and efficient institutional communication around this project.

Chaired by the Head of Government, it is made up of the Minister of the Interior, the Secretary General of the Government, the Ministry of Finance, the Ministry of Health and Social Protection, the government authority responsible for convergence and the evaluation of public policies and of the government authority in charge of the Budget.

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