These forecasts of the French mutuality cover 41 mutual societies representing 19.9 million people. They do not cover the entire market of complementary healthbut give a good approximation.
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Individual contracts, taken out in particular by retirees, “will increase on average by 5.3%”, and compulsory collective contracts, covering employees via their company, “by 7.3% on average”, according to a press release from the Mutualité this Wednesday.
Optional collective contracts will increase “by 6.8%”, details the Mutuality.
19.9 million affected
This overall increase of around 6% will follow the record increase in 2024 (+ 8.1%), after + 4.7% in 2023, and + 3.4% in 2022, and will remain far from 2.6%. % recorded on average over the previous 10 years (2.6%).
“We understand that people are wondering about this increase, but it is at the level strictly necessary to maintain the protection of all,” said the president of the Mutualité, Éric Chenut.
For the Mutuality, the announced increase is “inevitable”, due in particular to the “structural” increase in health spending in France, i.e. + 5.2% in 2023.
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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 at the level strictly necessary to maintain the protection of all. »
Once again, the president of the Mutualité called on all health stakeholders to come around the table to try to better control the growth in spending in the sector.
Health spending “is increasing two to three times faster than national wealth. With our aging population and scientific advances, and without structural overhaul, these expenses will continue to increase until we can no longer afford them,” he warns.
“Adjustments” at the start of the year?
The Mutuality has published its figures despite the unknown which still remains on the health expenses payable by supplementary workers in 2025, due to the absence of a Social Security budget.
In the draft budget presented by Michel Barnier’s government, complementary health insurance had to increase their share in the reimbursement of medical consultations and medications, so that Health Insurance could save around a billion euros.
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If this increase ultimately did not take place, due to the absence of a Social Security budget, there would be downward “adjustments” for contributions, underlined Eric Chenut, without committing to what they would could represent.
“We will only be able to determine them when we know exactly what the arbitration will be” retained for the future Social Security budget, he added.
An increase of “4.5% to 6.5%”
The new increase in prices will in any case fuel criticism against complementary health insurance, accused by some of pushing the dose a little.
A senatorial report estimated that in 2024, the trend increase in health spending, and the new spending borne by complementary insurance, should have resulted in an increase of “4.5% to 6.5%”, and no 8.1%.
In their defense, complementary health insurance companies will be able to brandish figures published Wednesday by the Dreesthe statistical service of social ministries.
For the first time since 2011, supplementary health insurance, all families combined (mutual societies, insurance companies, joint organizations), were in slight “technical loss” in 2023, with their expenses exceeding the contributions collected by 0.4%.
Across their entire activity (taking into account financial products in particular), the net profit of complementary health plans stood at 3.4% of contributions in 2023, compared to 3.5% in 2024.
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