2024-12-18 06:52:00
After a record increase of 8.1% in 2024, mutual supplementary health insurance will increase their prices by an average of 6% in 2025, a less pronounced increase compared to 2024, but which remains much higher than that observed in the last decade. announces the Mutualité française, the federation that represents them, on Wednesday 18 December.
Mutual supplementary health insurance represents the largest family of complementary health insurance, with 47% of contributions collected, and the figures announced can be considered a good approximation of the entire market.
“In 2025 contributions will increase on average by 6% on all mutual contracts”explains French Mutuality in a press releasebased on data from 41 mutual insurance companies, representing 19.9 million people covered. Individual contracts, stipulated in particular by pensioners, “will increase on average by 5.3%”Mandatory collective agreements that cover employees through their company “will increase by 7.3% on average”and optional collective agreements «6.8%»details Mutuality.
For 2024, Mutualité and other families had recorded record increases (+8.1% for Mutualité), after +4.7% in 2023 and +3.4% in 2022. In the previous ten years, the The increase was 2.6% on average every year.
“Structural” increase in health spending
“The increase in mutual 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 Mutualité. “The aging population, access to new treatments and medical technologies and better recognition of healthcare professions explain these upward trends”declares.
Added to this structural effect is a greater participation of supplementary health insurance in the financing of some expenses, such as dental expenses – of which supplementary health insurance now assumes 40%, compared to 30% before 2023, he adds.
“We understand that people are wondering about this increase, but it is at the level strictly necessary to keep everyone safe.”says the president of Mutualité, Eric Chenut, in the press release. It invites all healthcare stakeholders to come to the table to try to better control spending growth in the sector.
These “they increase two to three times faster than national wealth. As the population ages and science advances, and without a structural overhaul, these expenses will continue to increase until we can no longer afford them.”warns.
The other two large families of complementary health insurance are insurance companies (36% of contributions collected) and social security institutions, jointly managed by the employer-union (17% of contributions collected).
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