How universal health insurance works in Armenia: views from patients and docto

JAM News
April 17 2026
  • Gayane Asryan
  • Yerevan

At the start of 2026, Armenia launched a universal health insurance system. The rollout sharply increased pressure on the healthcare system. People who had ignored their health for years began visiting doctors. Now many spend hours in queues to get consultations, take tests and receive medication.

Overall, patients who use services under their insurance packages give positive feedback. However, unresolved technical issues continue to cause frustration.

Here is a detailed look at the new system — who can use it and how it works — along with views from a doctor and a patient on its effectiveness and the quality of care.


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Who is covered by the insurance system

Armenia plans to roll out universal health insurance in stages over three years.

As of 1 January 2026, the system covers the following groups:

  • children under 18,
  • people aged 65 and older,
  • citizens aged 18–65 with disabilities,
  • socially vulnerable individuals (those scoring above 28 points on the national vulnerability scale),
  • families of fallen servicemen.

The state budget fully covers insurance packages for these groups.

The system also includes people who earn 200,001 drams ($536) or more. They pay their own contributions, but the government uses a subsidy mechanism to reduce their financial burden. In 2026, the state reimburses most of their insurance payments. It does this by returning part of the income tax they pay each month.

As a result, people earning up to 500,000 drams ($1,315) pay only 300 drams (about $0.79). Those with higher incomes pay 3,300 drams (about $8.80). This group will receive compensation in 2027 through income tax refunds after filing their declarations.

The insurance package is the same for everyone and costs 129,600 drams ($345) per year.

Other population groups will join the system over the next two years, with full coverage planned by the end of 2028.

By 2029, all citizens and residents of Armenia will be insured.

Patient experience

Several years ago, 74-year-old pensioner Volodya Sargsyan began to have problems with his eyesight. Before he received insurance, he did not go to a doctor because treatment required significant expenses. Over time, his condition worsened.

Since January this year, the state has insured him, and he could finally seek medical help.

“The hardest part was booking an appointment with a general practitioner at the local clinic. My grandchildren somehow managed to find an available slot in February. I arrived at the scheduled time. There was a long queue, and I waited for about two hours. All the patients came at their assigned time and respected the queue. The problem was that the online system kept failing.”

The universal health insurance system operates through the ArMed online platform. Patients use it to register, book consultations, undergo examinations and receive medication.

Not only Volodya but many other patients complain about technical problems with the system. People often raise the issue on social media. Many believe queues form because doctors struggle to complete numerous forms on the platform.

“My doctor found it difficult to enter data into the system. Sometimes he had to call specialists to уточнить codes needed to refer me to a specific specialist. But I suppose this is normal. The process has just started, and things will improve over time. We just need to be patient,” he said.

Volodya says he is very happy that he can now take care of his health. He believes the system is a lifeline for pensioners:

“I was ready to cover part of the costs myself. But it turned out that after the free surgery, I will also receive medication for further treatment at no cost. I also thought that since I used insurance, the doctor might not pay much attention to me. Especially because no one accompanied me. But there was no discrimination. I would like to ask the government to increase doctors’ salaries. We can see how heavy their workload is.

This reform will save lives and improve quality of life. People will no longer wait for years. If problems arise, they will go to doctors immediately for prevention. This may be a burden for the state, but I believe health must be a priority. A person needs to be healthy to create, to pay taxes, to have children and, in the end, to feel well.”

Insurance rollout in numbers

At the first stage, the universal health insurance system already covers 1.6 million people. To join the system, a person must be a citizen or a resident of the country.

A resident of Armenia is an individual who spends 183 days or more in the country during a calendar year.

Healthcare spending accounts for 5.9% of total government budget expenditures for 2026. The budget for the insurance component increased by 40 billion drams ($106.6 million) and now stands at 210 billion drams ($560 million).

Doctors under pressure, pay unchanged

Maya Grigoryan, a reproductive health specialist and gynaecologist, says the number of visits has tripled since the system launched. She also reports a large influx of patients from the regions:

“Mandatory health insurance is an excellent reform, and in some ways long overdue. It has made it possible to understand and assess the real volume of medical services. Yes, there are still problems. They are mostly technical and are being resolved fairly quickly. I think the healthcare system showed strong resilience during the coronavirus pandemic, and now it is passing another test with dignity.”

She highlights low payments from insurance companies as one of the key problems:

“I hope all issues, including payment, will be resolved soon. Previously, a patient paid 15,000 drams for a consultation. Under universal insurance, the state reduced this amount several times. At the same time, the number of patients has increased. In short, to earn the same income, a doctor now has to see four times as many patients.

I don’t think the growing number of patients affects the quality of care directly, but it is exhausting. There is an optimal working time, after which a person’s performance declines due to fatigue.”

The doctor says clinics expected a surge in demand and believe the situation will stabilise over time:

“We need to get through this transition period until everything settles. Recently, I told a patient: ‘Your issue is not urgent, you can come for instrumental tests next month.’ He objected because he feared the insurance coverage might change. People are understandable — the process is new, and there are still many concerns.”

U.S. military says strike on vessel in Eastern Pacific kills three

U. S.13:44, 16 April 2026
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The U.S. military said it struck a vessel in the Eastern Pacific, killing three people.

The U.S. Southern Command alleged that the vessel was operated by “Designated Terrorist Organizations” that it did not identify.

It added that no U.S. military forces were ⁠harmed. It described those killed as “male narco-terrorists,” without offering details.

U.S. President Donald Trump’s administration has been striking vessels that it accuses of transporting narcotics.

The U.S. military’s strikes on such vessels have killed ⁠more than 170 people since September, according to Reuters.

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Swiss MP says Yerevan summits of historic significance for Armenia-EU ties

Politics09:32, 16 April 2026
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Stefan Müller-Altermatt, a member of Switzerland’s National Council, said that hosting the European Political Community summit and the first Armenia-European Union summit in Yerevan is of historic significance and reflects Armenia’s progress toward European integration.

Speaking in an interview with Armenpress, Müller-Altermatt noted that the upcoming summits, scheduled to take place in May in Yerevan, demonstrate Armenia’s growing engagement with European partners and its commitment to deepening ties with the European Union.

– What political message does the holding of the European Political Community Summit in Yerevan carry?

-When the European political community – which Russia so clearly shuns – discusses security and cooperation in Armenia, this sends a clear signal: Armenia is slipping out of Russia’s sphere of influence and, rather than being punished for it, is being rewarded – namely, with greater recognition in Europe.    

– How do you assess the historical significance of the first Armenia-EU Summit?

-The summit is of enormous historical significance. It demonstrates that Armenia is to be integrated into Europe on an equal footing. Even though, naturally, EU accession remains a distant prospect despite this summit, it can nevertheless now be discussed about integration without membership.

-Can we say that this is a new stage on Armenia’s path to European integration?

-You could certainly put it that way. But people in Armenia aren’t naive, and unfortunately they’ve been let down by Europe far too often. A summit alone doesn’t make a partnership – just making speeches at a summit doesn’t help Armenia. What’s needed isn’t just words, but action on the part of the EU.

-What are the main areas where Armenia and the EU can deepen cooperation in the near future?

-The areas of energy, transport and infrastructure offer the greatest potential for both sides. If Armenia can reduce its dependence on Russia by expanding renewable energy, modernising its electricity grid and connecting to regional electricity markets, thereby becoming part of the European energy area, this would also represent an enormous strategic gain for the EU. The same applies, of course, to the transport sector: logistics corridors between Europe and Central Asia via Armenia benefit both Europe and Armenia.

That said, most people in Armenia would probably be delighted if visa facilitation measures were introduced quickly. Unfortunately, this is becoming an increasingly politically sensitive issue within the EU – immigration is sparking ever more debate.

– How can this summit affect the security situation in the South Caucasus?

-We must be honest with ourselves: the EU has neither the military capability nor the will to act as an effective guarantor of security in the South Caucasus. Civilian missions and assistance with crisis prevention are, unfortunately, the most that can be expected from the EU in this regard. Regrettably, the EU remained silent during the ethnic cleansing in Nagorno-Karabakh, thereby undermining international law. As a non-military power, it would have had the opportunity to take a strong stance as a champion of international law. However, the EU has enormous energy interests in Azerbaijan. That is why it has remained silent on the violations of international law. The people of Karabakh are the ones suffering as a result. One could also say: in fact, the EU has a lot of making up to do with regard to Armenia and, above all, Karabakh. When it comes to security, it cannot do so – so it should focus on other areas instead.

-What new economic opportunities can open up for Armenia after this summit?

-In the long term, economic development must, of course, form the core of negotiations with the EU. There is a need for trade facilitation and the integration of Armenian companies into supply chains. If partnership agreements can achieve precisely this, then Armenia stands to gain a great deal economically. And if the Russian economy also recovers in the future, Armenia will have excellent prospects as a trading partner in both economic areas.

-Can Armenia become an important transit or energy partner for the EU?

-Here, too, we must be honest and admit that the geographical circumstances suggest that Armenia is unlikely to be of significant importance to the EU in the energy or transit sectors. Armenia has no direct oil or gas export capacity, and energy exports to the EU are severely limited by geographical and geopolitical factors. Armenia can be an innovation partner for the EU, but not a primary energy supplier. Armenia should seek to build on this position as an innovation partner.

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Pashinyan says new constitution needed to fix judicial system

Politics10:24, 16 April 2026
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Prime Minister Nikol Pashinyan said on Thursday that the resolution of several outstanding issues in the judiciary is impossible without the adoption of a new constitution.

“I believe that a significant part of the problems in the judicial sector cannot be resolved without adopting a new Constitution,” he said in parliament during debates on the government’s 2025 report on its five-year action plan. “Because this state of inertia and [stagnation] will continue indefinitely. Constitutional regulations are needed so that we can set aside those very artificial constraints and confront the situation in the judicial system,” Pashinyan said.

The Pashinyan administration has initiated constitutional amendments, with work ongoing to develop a draft for a referendum.

Speaking in parliament earlier on Wednesday, Pashinyan again called for the adoption of a new constitution, saying that the judiciary and justice systems do not have an “organic connection” with the people.

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Pashinyan: Citizens feel peace as it drives economic growth

Politics10:43, 16 April 2026
Read the article in: العربيةՀայերենქართულიRussian中文

Prime Minister Nikol Pashinyan said that citizens in Armenia feel a greater sense of peace than the government had expected, linking this perception to stability in the country and improvements in social and economic conditions.

“Citizens primarily feel peace on a psychological and emotional level, because there is calm in the country. The tension, strain, and intensity that we used to feel have now been replaced by a sense of tranquility, and I believe people also intuitively understand that the health insurance system, pension increases, and other measures are not directly, but indirectly, linked to peace,” the prime minister said in parliament during the debates on his administration’s 2025 report.

Pashinyan emphasized that if there were no confidence in peace and the government were expecting new escalations, it would not allocate such substantial resources to social sectors.

“Peace has created the conditions for economic growth. Citizens feel peace more strongly than we even expected,” Pashinyan said.

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PM: Strong police are backbone of state, serve all citizens’ interests

Armenia15:26, 16 April 2026
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Prime Minister Nikol Pashinyan on Thursday visited the Ministry of Internal Affairs to congratulate the country’s police force on its 108th anniversary of founding.

In his remarks, Pashinyan described the police as a key actor in the country’s internal security and the backbone of the state.

He noted that the Police of the Republic of Armenia have gone through various stages of formation and development, and that they must always remain strong, as this serves the interests of all citizens.

“There are issues related to internal security in the Republic of Armenia, but it is clear and beyond doubt that, apart from isolated cases, we have not had internal security crises since 2018, and this is a very important observation,” Pashinyan said.

The Prime Minister added that at every stage the police have reached a certain level of development, but each period has its own characteristics and requirements.

“What we are doing well today cannot be considered sufficient tomorrow or the day after, because times and challenges are changing. It is very important that we have a dynamically changing and dynamically developing police force, and through our reforms we are moving in that direction,” he said, stressing that reforms must be part of daily work.

“It is very important that we develop the system in such a way that everyone working in a given area feels that they are the leader of their own responsibility. Police work should provide social guarantees, because it is very difficult and is connected to the lives and safety of both police officers and others, and we must take these factors into account,” he added.

According to Pashinyan, it is very positive that there is 61% public trust in the activities of the police in Armenia, which he described as a high level of public confidence.

“In the 21st century, the police must be dynamic and flexible; no system that is not dynamic and not flexible stands a chance,” the Prime Minister added.

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Pashinyan says police modernisation once seen as unrealistic is now reality

Armenia20:28, 16 April 2026
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Armenian Prime Minister Nikol Pashinyan said the country’s police reform programme has delivered results once considered unrealistic, highlighting major upgrades in patrol services and technical capacity.

Speaking at a ceremonial session marking the 108th anniversary of Armenia’s police, Pashinyan said the transformation of the patrol service, including modern equipment, vehicles and operational systems had once seemed unrealistic.

“When we launched police reforms, it seemed almost impossible to imagine a fully equipped patrol service with modern technology, vehicles and structured development across key areas,” he said.

“At the time, it felt distant and unlikely. Today, that has become a reality, and we must now focus on further development,” he added.

Pashinyan stressed that reform of the police system must remain an ongoing and continuous process, requiring consistent, day-to-day effort.

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Armenian Parliament Speaker attends IPU Assembly in Istanbul

Politics16:03, 16 April 2026
Read the article in: English

Armenian Speaker of Parliament Alen Simonyan and his delegation are participating in the 152nd Inter-Parliamentary Union (IPU) Assembly in Istanbul, Türkiye.

Simonyan held brief talks with a number of his counterparts from around the world.

In particular, photos released by the parliament’s press service show Simonyan talking with his Russian and Azerbaijani counterparts, Valentina Matviyenko and Sahiba Gafarova, respectively.

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Now is the time to set priorities: Speaker Simonyan at the General Debate of t

Politics22:02, 16 April 2026
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Speaker of the National Assembly of the Republic of Armenia Alen Simonyan, who is in Istanbul on a working visit, delivered a speech at the 152nd Assembly of the Inter-Parliamentary Union (IPU). 

The full speech is presented below:

”Madam President,

Mr. Secretary General,

Excellencies,

Fellow parliamentarians,

Ladies and gentlemen,

It is an honour to accept the gracious invitation of Türkiye and address the 152nd Assembly of the Inter-Parliamentary Union (IPU) on behalf of the National Assembly of the Republic of Armenia. As we discuss the theme, Nurturing Hope, Securing Peace, and Ensuring Justice for Future Generations, I would like to observe that the importance of this topic cannot be overstated. Let me say an obvious truth: a flourishing present and future are built on a foundation of hope, peace, and justice.

For Armenia, this notion informs our policies and impels our actions. We strive for a future in which everyone shares the same opportunities for social and economic prosperity.

But who can only dream about a better future, and who can actually create it? Future generations cannot construct the world they will inherit. At best, they can only entrust us to act prudently on their behalf.

Hope sustains our passion for justice and our capacity to trust. Our actions today must serve to build that trust. The coming generations need to believe that the peace we build today will endure.

Make no mistake. The fractures in our world are deep and severe. We are profoundly troubled by the situation in Iran, and my prayers go out to the Iranian people. The crisis in Lebanon cannot be ignored. To be sure, the test we face is formidable. Yet, who but us has the power – and the moral obligation – to heal our world?

Armenia fully accepts its responsibility.

Following the 2025 agreement signed by the leaders of Armenia, Azerbaijan, and the US, peace has prevailed in our region, marking a truly monumental achievement. But our vision is grander. We invite Türkiye to be a partner and join us in weaving a tapestry of peace. To this end, we are eager to deepen our relationship with Türkiye.

After decades of suspicion and ill will, a new era of confidence-building between Armenia and Azerbaijan has dawned. Efforts to consolidate this progress are now focused on strengthening communication and ensuring that peace is effectively translated into concrete realities on the ground.

The recent implementation of the framework for the Trump Route for International Peace and Prosperity (TRIPP) represents another milestone. This initiative aims to both create regional connectivity and expand international trade routes.

Based on the principles of sovereignty, territorial integrity, and jurisdiction, the TRIPP has the potential to promote stability, economic cooperation, and prosperity across the South Caucasus and beyond.

Encouraging signs of normalization are unmistakable. For the first time in years, trade between Armenia and Azerbaijan is beginning to emerge. The recent import of Azerbaijani goods into Armenia marks a symbolic and practical step toward rebuilding economic ties. These are the dividends of peace – tangible improvements that directly benefit our people.

At the same time, serious humanitarian issues remain and must be resolved.To continue building trust and achieve genuine reconciliation, the 19 Armenians still detained in Azerbaijan should be released and reunited with their families, and the fate of other missing persons should be clarified.

Colleagues,

Now is the time to set priorities, and, for the sake of posterity, we must choose them wisely. Who, let us not forget, are the succeeding generations? They are our children and grandchildren. It is our solemn duty to be worthy of them by leaving a legacy not of war but of peace.”

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Armenian, Romanian foreign ministers discuss EU partnership

Politics16:14, 16 April 2026
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Armenian Foreign Minister Ararat Mirzoyan spoke by phone on Thursday with his Romanian counterpart, Oana-Silvia Țoiu.

According to a readout from the Armenian ministry, the two FMs discussed initiatives aimed at deepening the Armenia–EU partnership, emphasizing mutual readiness to advance cooperation in sectoral areas.

They also addressed participation in high-level events scheduled to take place in Yerevan in early May.

The sides underscored the importance of ongoing efforts to further enrich the bilateral agenda. Ararat Mirzoyan and Oana-Silvia Țoiu exchanged views on regional developments. The ministers highlighted their interest in the implementation of economic and transport connectivity projects, as well as the potential benefits they could bring.

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