An “inevitable” increase: by how much will mutual insurance companies increase their rates for 2025 ?

Pour 2024, la Mutualité et les autres familles avaient affiché des hausses records (+ 8,1 % pour la Mutualité). MAXPPP – Richard Villalon

Les tarifs des complémentaires santé à statut mutualiste augmenteront en moyenne de 6 % en 2025.

Mutual health insurance plans will increase their rates by an average of 6% in 2025, a less significant increase than in 2024, but still much higher than that observed over the last decade, according to Mutualité française, the federation that represents them.

By how much will individual and group contracts increase ?

Mutual health insurance plans are the largest family of health insurance plans, with 47% of contributions collected, and the figures they announce can be considered a good approximation of the entire market.

Individual contracts, taken out in particular by retirees, “will increase by an average of 5.3%”, the Mutualité française said in a press release on Wednesday, based on figures from 41 mutual insurance companies, representing 19.9 million people covered.

Mandatory collective contracts covering employees via their company “will increase by 7.3% on average”, and optional collective contracts “by 6.8%”, details the Mutualité.

An inevitable increase in 2025

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.

“The increase in mutual insurance contributions in 2025 is inevitable” due to several factors, including the “structural” increase in health expenditure in France, i.e. + 5.2% in 2023, indicates the Mutualité.

“Aging of the population, access to new treatments and medical technologies, and better recognition of healthcare professions explain these upward trends”, she indicates.

“Perpetuating the protection of all”

Added to this structural effect is a greater participation of complementary health insurance in the financing of certain expenses, such as dental costs – of which complementary health insurance now covers 40%, compared to 30% before 2023, she adds.

“We understand that people are wondering about this increase, but it is done at the level strictly necessary to perpetuate the protection of all”, indicates the president of the Mutualité, Eric Chenut, in the press release.

The president of the Mutualité calls on all health stakeholders to sit around the table to try to better control the growth of expenditure in the sector.

These “increase two to three times faster than national wealth. With the aging of our population and scientific advances, and without structural overhaul, these expenses will continue to increase until we can no longer cope with them”, he warns.

The two other major families of complementary health insurance are insurance companies (36% of contributions collected) and provident institutions, with joint management by employers and unions (17% of contributions collected).