Co-insured persons will no longer be automatically insured in the public health system: What changes from September 1, 2025?

An important step in the reorganization of the public health system Starting from September 1, 2025, there will be an essential change for many of those currently benefiting from the status of co-insured: this status will no longer function automatically. In other words, whereas until now a husband, wife, parents, or other persons without their own income could benefit from medical services based on the insured status of a family member, starting this fall, this will no longer be possible without a personal initiative.

What does this mean, concretely? Those who were co-insured until now will need to step forward and ensure themselves individually. More specifically, they will need to:

· Submit the Single Declaration (form D212) to ANAF

· Pay the health contribution (CASS), calculated based on the minimum gross salary.

Those targeted are all who, although they have no income, currently benefit from health insurance based on a family member: parents, husbands, wives, or other dependents. Practically, if you have no income and do not fall into an exempt category (student, person with disabilities, etc.), you will be obligated to secure yourself individually.

What happens if this step is not taken? The consequences are not negligible. Without this declaration and the payment of the contribution, the person in question:

· Will no longer be listed as insured in the CNAS system;

· Will not have free access to consultations, analyses, compensated prescriptions, or hospital admissions;

· Will have to fully pay for the medical services they need.

There are also exceptions Some categories will remain insured without needing to take this step:

· Students (up to 26 years old);

· Registered unemployed at AJOFM;

· Persons with disabilities;

· Those earning taxable income from salaries, pensions, self-employment, etc.

This change marks a new stage in the responsibility of each of us regarding the public health system. Co-insured individuals will no longer be automatically protected by the employment status of their loved ones, but will have to directly assume the insured status.

At Geseidl Consulting Group, we remain close to all those who need clarity and support in understanding the new rules. We are here to help you make the step with confidence and informed decision.