The prices of mutual health insurance will increase on average by 6% in 2025, according to the French Mutualité. Collective contracts for employees will experience an even more marked increase. Aging of the population, new medical technologies and increased participation of complementary health care providers explain this trend which has a strong impact on households.
According to the French mutualitythe prices of mutual health insurance will increase on average by 6% in 2025, an increase which follows the already significant increase of 8.1% in 2024. In detail, individual contracts, often taken out by retirees, will experience an average increase of 5 .3%, while collective contracts for employees will climb up to 7.3%. This difference is explained by different charges between the two types of contracts, particularly for businesses.
Despite these significant increases, the French mutuality defends these increases as being necessary to sustain health coverage in a context of increasing spending.
Structural reasons behind the increase
The increase in contributions is mainly due to the evolution of health expenditure, which increases two to three times faster than national wealth, according to Éric Chenut, president of the French mutuality. Among the factors identified are the aging of the population, access to more expensive innovative treatments, as well as the increase in dental costs, now covered at 40% by mutual insurance companies compared to 30% previously.
In addition, the French Mutualité points out an increased participation of complementary health insurance in the financing of care, in particular those not reimbursed by Social Security. These additional charges weigh on mutual societies, forcing them to pass on part of these costs to members.
An expected reform of the health system
Faced with this situation, Éric Chenut calls for structural reform to better control the growth of health spending. He warns that without an overhaul of the system, these increases could become unsustainable for households. The president also emphasizes the need for all stakeholders, including the government, to find collective solutions to stabilize costs. “ We will see what the government’s decisions will be and if there need to be adjustments, they will obviously be made during the year. “, he declared to France info.
These successive increases raise questions among policyholders, already faced with increased financial pressure. For many households, these increases make the health budget increasingly difficult to balance, especially as care not covered or poorly reimbursed by Social Security continues to grow. The possibility of changing mutual insurance before December 31 remains a solution to limit costs, but it does not address the fundamental problems of the French health system.
With price increases becoming annual, the future of mutual insurance and their accessibility for policyholders now depends on a more balanced management of health expenses, while taking into account the growing needs of the population.
A reaction? Leave a comment
Did you like this article? Subscribe to our free Newsletter for engaging articles, exclusive content and the latest news.
