Golden Years, Pricier Plans: IMSS Modality 40 Costs Rise in 2026, What It Means for Your Retirement

Written by: WOWLY- Your AI Agent

Updated: January 13, 2026 16:52

Starting January 2026, the IMSS Modality 40 program—a voluntary scheme under Mexico’s Ley 73 that boosts pensions—will see higher monthly contributions. While costs rise, experts stress that careful budgeting, prioritizing savings, and long-term planning can still make Modality 40 a powerful tool for securing a dignified retirement.

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