The year 2025 promises to be marked by a significant increase in mutual health insurance contributions. According to Mutualité Française, this increase will reach on average 6%, with variations depending on the type of contract. Individual contracts, often taken out by seniors, young workers or the self-employed, will increase by 5.3%. As for compulsory collective contracts, mainly offered by employers, they will suffer a more marked increase, up to 7.3%.
These developments reflect a structural trend towards increased health spending in France. In 2023, these had already increased by 5.2%, fueled by the aging of the population and medical technological advances. At the same time, benefits paid by mutual insurance companies jumped by 6.4%, partly as a result of the “100% health” system which fully covers certain dental, optical and audiological treatments.
This inflation is also linked to recent budgetary choices. To reduce the Health Insurance deficit, an increasing share of expenses has been transferred to complementary organizations, as denounced by the Mutualité Française. “ This lack of consultation considerably increases the burden borne by mutual societies and their members. », Underlines the organization.
Changing financing for mutual health insurance
Éric Chenut, president of Mutualité Française, calls for a global transformation of the financing of the health system. “ Health spending is growing two to three times faster than national wealth. Without a thorough overhaul, we will no longer be able to keep up with this pace “, he warns. The organization is calling for a multi-year approach which would provide better visibility to sector players and strengthen their ability to anticipate.
At the same time, the Mutualité Française emphasizes the importance of investing in prevention, in order to curb the increase in chronic diseases. This project is considered crucial for adapting the health system to the demographic and environmental challenges of tomorrow.
With these increases, policyholders risk feeling a direct impact on their purchasing power, which could reignite the debate around solidarity and fairness in access to care. A question that will remain at the heart of the sector’s concerns in the years to come.
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