Pratiques technico-politiques de financement de la couverture sanitaire au Maroc : analyse comparative

Abstract

INTRODUCTION: Health coverage financing is a key issue for the sustainability and equity of health care systems. In Morocco, the roll-out of compulsory health insurance (CHI) represents major progress, but poses challenges related to managing contributions, and integrating the informal sector. This article analyzes the Moroccan health financing system and compares it with international examples to identify potential improvements. METHODS: The study is based on a systematic literature review and comparative analysis covering data from 2013 to 2023. The selection process followed the PRISMA framework. The main indicators examined include out-of-pocket (OOP) expenses, and the percentage of GDP allocated to health care. RESULTS: The findings reveal a high fragmentation of resources and a strong dependence on out-of-pocket expenses, limiting equity and access to care. However, Morocco has significant levers for reform. The comparative analysis with Thailand, Turkey, and France highlights applicable solutions: diversifying funding sources (sectoral taxes, and risk pooling), digitizing processes to improve efficiency, and strengthening regulatory mechanisms to control costs. DISCUSSION: The study emphasizes the importance of integrated governance and enhanced coordination between public and private stakeholders in improving the sustainability of the system. CONCLUSION: Reforms combining funding diversification, digitization, and strengthened regulation are essential to enhance the equity and resilience of Morocco's health care system.