[For sustainable financing of the Medical Assistance scheme in Morocco]

Five years after its implementation, the Medical Assistance scheme (Ramed) has been able to cover more than eleven million people. Nevertheless, its financing remains the main challenge. Its initial financial structure was exceeded after its implementation. A reconfiguration of the financial package has become a necessity in order to guarantee sustainable financing.

A review of the literature and a situational analysis through disseminated reports and documents made it possible to identify the initial financial package and its limits in order to design a new financial package.

The current financing is out of step with the regulations, which has a negative impact on it. Funds are insufficient to cover needs and do not even exceed half of the planned funding, set at three billion dirhams, due to a partial collection of resources. In order to meet the needs of the beneficiaries and follow their growing rhythm, at least 4 billion dirhams annually must be collected. This amount can only be ensured with a revision of the contributions of the State and local authorities.

The current funds do not meet the needs, which undermines the social acceptability of the regime and threatens its sustainability. It is essential to improve its funding through a diversity of resources and more commitment from stakeholders to ensure sustainable funding managed according to the principles of good governance.