Overview
- Modalidad 10 lets self-employed people cotize directly into the IMSS Régimen Obligatorio to receive the five basic insurances, and registrants may optionally route 5% of contributions to Infonavit to build a housing subaccount.
- Modalidad 40 allows people who were given de baja to continue paying to add weeks and raise their Salario Base de Cotización up to a cap of 25 UMA, but it does not automatically grant entitlement to IMSS medical services.
- Media outlets published 2026 simulations using the UMA at 117.31 MXN per day, showing that 250 weeks of contributions under Modalidad 40 would total roughly 296,401 MXN at 10 UMA, 444,602 MXN at 15 UMA, and 741,003 MXN at 25 UMA.
- Enrollment is free and can be done online or at subdelegations with CURP, NSS, RFC, ID and proof of address, and contributors must pay monthly in advance by fixed deadlines set by IMSS — the 17th for Modalidad 40 and the 20th for Modalidad 10.
- The choice matters for household budgets and retirement outcomes because continuing payments can raise a future pension but require months or years of upfront outlays, so the IMSS and reporters advise running personalized simulations and factoring separate family health insurance costs.