You will have to pay more to benefit from mutual health insurance in 2025. This was announced by Mutualité Française, the federation which represents complementary health insurance with mutualist status.
These complementary services will increase their prices by an average of 6% in 2025, a smaller increase than in 2024, but which remains much higher than that observed over the last decade. Supplementary health insurance with mutualist status is the largest family of complementary health insurance. The figures they announce can therefore be considered a good approximation of the entire market.
An increase of 8.1% in 2024
Individual contracts, taken out in particular by retirees, “will increase on average by 5.3%,” French Mutuality said in a press release on Wednesday, based on figures from 41 mutual insurance companies, representing 19.9 million people covered.
Compulsory collective contracts covering employees via their company “will increase by 7.3% on average”, and optional collective contracts “by 6.8%”, details the Mutuality. For 2024, Mutualité and other families had posted record increases (+ 8.1% for Mutualité), after + 4.7% in 2023, and + 3.4% in 2022. Over the previous ten years, the increase was 2.6% on average each year.
An “inevitable” increase according to the Mutuality
“Aging of the population, access to new treatments and medical technologies, and better recognition of health professions explain these upward trends,” she indicates. “The increase in mutual contributions in 2025 is inevitable” due to several factors, including the “structural” increase in health spending in France, i.e. + 5.2% in 2023, indicates the Mutuality.
To this structural effect is added a greater participation of complementary health insurance in the financing of certain expenses, such as dental costs – of which complementary health insurance now assumes 40%, compared to 30% before 2023, she adds. “We understand that people are wondering about this increase but it is done at the level strictly necessary to maintain the protection of all,” indicates the president of the Mutuality, Eric Chenut, in the press release.
