100 euros more on the bill: this sudden increase will affect all French people

No one will be able to escape this increase.

This is not the time to save money, far from it. In a context where the State is seeking to reduce its costs, households will have to contribute to the bailout of public coffers. If the promise that income tax would not increase was held, other levers, more discreet but costly, are about to be activated. The impact on the budget of the French will not be negligible.

In terms of charges, the government does not seem to hesitate to cut the social component and, more particularly, the health component. Today, many medical acts are free or inexpensive because social security covers part of them and the mutual insurance company reimburses another part. The difference is that everyone benefits from “Sécu” for free, while you have to pay to be entitled to the mutual insurance company. But who says free, says what about revenue ? Taxes are not enough to cover the costs finance the "S&eac;cu" and the organization's debt is abysmal.

The government is therefore planning to reduce certain reimbursements made by the “Sécu”, in particular consultations with the general practitioner, which will increase from 26.50 euros to 30 euros in December. It would be up to the mutual insurance companies to reimburse a larger portion, just like for an appointment with a specialist. And this, from 2025. This transfer could cost the mutual insurance companies an additional 1.2 billion euros, according to the Mutualité French, union of mutualists.

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However, this additional charge will not be borne in full by the mutual insurance companies. It should be passed on to the price of mutual insurance for policyholders. According to Actelior, the increase will be around 10%: 8.8% for individual contracts, 9.2% for company contracts. “At the beginning of September, we had estimated an increase in overall health expenditure of 5.8% for individual contracts and 6.2% for group contracts. When we estimate the cost of the increase in care for doctors, this represents an additional 3%”, explains David Echevin, general manager of the insurance consultancy firm.

On the VYV group side (which includes Harmonie Mutuelle and MGEN in particular), we are counting on an increase of 6 to 10%. Which is explained by “a cumulative effect. There is this transfer of charge, the increase in the price of the consultation and an increase in all types of health expensesé", élists André-Charles Puech-Deputy Director of Insurance and Social Protection for the group.

In 2024, the average price of a mutual insurance company was  1000 à 1500 euros according to our contacts. In a few weeks, the increase should therefore be in the order of a hundred euros per year for insured persons. This is only an average since there are significant differences in price and coverage between students, private sector employees, civil servants and retirees. The fact remains that the increase will affect everyone if the government's plan is adopted.