Supplementary health insurance will increase their prices by 6% on average in 2025

After a record increase of 8.1% in 2024, complementary health insurance with mutual status will increase their prices by an average of 6% in 2025, a less steep increase than in 2024, but which remains much higher than that observed over the last decade , announces Mutualité française, the federation which represents them, Wednesday December 18.

Supplementary health insurance with mutual status is the largest family of supplementary health insurance, with 47% of contributions collected, and the figures they announce can be considered a good approximation of the entire market.

“In 2025, contributions will increase by 6% on average across all mutual contracts”explains the French Mutuality in a press release, based on the figures of 41 mutual societies, representing 19.9 million people covered. Individual contracts, taken out in particular by retirees, “will increase on average by 5.3%”Mandatory collective contracts covering employees through their company “will increase by 7.3% on average”and optional collective contracts «6.8%»details the Mutuality.

For 2024, the Mutualité and other families had posted record increases (+ 8.1% for the 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.

“Structural” increase in health spending

“The increase in mutual insurance contributions in 2025 is inevitable” due to several factors, including the increase “structural” of health spending in France, i.e. + 5.2% in 2023, announces the Mutualité. “Aging of the population, access to new treatments and medical technologies, and better recognition of health professions explain these upward trends”she declares.

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”says the president of the Mutualité, Eric Chenut, in the press release. He calls on all health stakeholders to come around the table to try to better control the growth in spending in the sector.

These “increase two to three times faster than national wealth. As our population ages and science advances, and without structural overhaul, these expenses will continue to rise until we can no longer afford them.”he warns.

The two other major families of supplementary health insurance are insurance companies (36% of contributions collected) and provident institutions, with joint employer-union management (17% of contributions collected).