How are monthly CNSS TNS contribution tiers calculated?

Government decrees assign a statutory SMIG multiplier coefficient to each trade bracket (ranging from 1.0x to 5.5x SMIG base), to which the 6.37% AMO healthcare contribution rate is applied.

Does one AMO TNS payment cover the whole family?

Yes, a single monthly premium universally covers the primary policyholder, legal spouse, and dependent children up to age 21 (or age 26 if enrolled in accredited higher education).

MoroccoUpdated for 2026Health

Morocco Self-Employed Mandatory Health Insurance (AMO TNS) Calculator 2026

Calculate statutory monthly and annual CNSS health insurance and pension contributions for non-salaried professionals, artisans, merchants, and self-employed workers (Travailleurs Non Salariés - TNS) under Laws 98.15 & 99.15 based on regulated coefficient brackets.

Health & Wellness Social Security & Pension Government & Business Fees

Calculated Result

Total Monthly CNSS TNS Contribution

258.37

Calculator Inputs

Trade Category & Deemed Income Bracket

Include Voluntary/Mandatory Retirement Scheme (~10% Deemed Base)

Calculated Result

Total Monthly CNSS TNS Contribution

258.37

Total Annual CNSS Contribution

3,100.44

Deemed Monthly Base Income

4,056

Mandatory AMO Healthcare (6.37%)

258.37

Retirement Pension Allocation

Calculation Methodology

Monthly AMO TNS Fee = (Professional Sector Coefficient × Monthly SMIG of MAD 3,120) × 6.37%. Annual Outlay = Monthly Fee × 12.

Health & Medical Disclaimer

AMO TNS contribution is fixed at 6.37% of the statutory deemed income base (Coefficient × SMIG) established for each professional trade category.

This tool is a mathematical wellness and fitness estimation model for general educational guidance only. The results do not constitute medical diagnosis, clinical advice, or treatment plans. Always consult a qualified physician or certified dietitian before starting any dietary regimen, exercise program, or making health decisions.

Frequently Asked Questions

Mandatory coverage applies to all non-salaried active workers: CPU regime taxpayers, registered Auto-Entrepreneurs, certified artisans, taxi drivers, and liberal professionals (physicians, attorneys, chartered accountants, architects).

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Morocco

Morocco Self-Employed Mandatory Health Insurance (AMO TNS) Calculator 2026

Calculator Inputs

Calculation Methodology

Health & Medical Disclaimer

Frequently Asked Questions

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