Mutual: a jump in prices in 2024
The analysis of mutual premiums over recent years reveals an overall upward trend, despite a period of marked decline between 2016 et 2020. For example, the average quarterly premium increased from 1 183 euros in 2016 at an average of 905 euros in 2020a decrease linked to cost reduction efforts in a competitive market. However, since 2021a gradual rebound was observed, marked by regular annual increases.
In 2024the average premium reaches 1 132 euros in November, an annual increase of 10,2 %a record which reflects the combined effects of inflation and changing health needs. And, above all, an unpleasant surprise: while inflation fell to less than 2% in November 2024 in France, mutual prices increased five times faster, according to data from the LeLynx comparator.
Seniors, the most affected by the surge in premiums mutual societies
The age of the insured is a determining factor in the pricing of mutual health insurance. Premiums increase exponentially with advancing age, reflecting the increased needs for care among older populations. In 2024people aged 18 to 25 years old benefit from a moderate average premium of around 450 euros. On the other hand, for the 56-65 ansthis premium reaches 1 573 eurosand even exceeds 1 875 euros for the 76 years and over.
This spectacular increase in costs for seniors is linked to the higher frequency of their medical consultations, chronic pathologies which require regular monitoring, and costly care such as hospitalization costs or dental and optical care. For young people, the need for health coverage remains less pressing, which explains lower premiums. However, with the arrival of new concerns such as mental health or preventive care, which affect younger generations more, it is not impossible that their premiums will rise in the years to come.
Professional disparities: between stability and inequalities
The profession of the insured also influences the amount of premiums, revealing marked inequalities between the different sectors of activity. Retirees are among the most impacted, with average premiums exceeding 1,735 euros in October 2024.
In comparison, the civil servants benefit from relatively stable premiums around 1 265 eurosthanks to advantageous collective agreements and coverage often negotiated at preferential rates. THE liberal professions and the executives see their premiums oscillate between 1 127 euros et 1 262 euros.
THE studentsfor their part, display the lowest premiums, varying between 454 euros et 520 eurosdue to minimum coverage adapted to their reduced needs. However, this relative moderation can mask a more complex reality: many young people struggle to take out even minimal health coverage due to tight budgets.
Marked geographical differences between cities and regions
Geographic location strongly influences the cost of mutual insurance, revealing significant differences between the cheapest and most expensive cities. Big cities like Rennes, Strasbourg or Nantes are distinguished by affordable premiums, with averages varying around 720 euros at 800 euros. Conversely, certain specific areas, such as the overseas departments, record particularly high premiums. In Guadeloupethe city of Sainte-Rose displays an average premium of 1 844 eurosthe highest amount observed in 2024.
These disparities can be explained by differences in the cost of living, levels of risk perceived by insurers, but also by variable accessibility to health infrastructures. The most expensive cities, like Neuilly-sur-Seine or Sucy-en-Briealso reflect higher purchasing power, justifying mutual insurance offers that are often more comprehensive but also more expensive.
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