Health insurance premiums set to rise in France

Health insurance premiums in France are projected to increase by 4% to 10% in 2027, according to forecasts from the Fact & Figures and Addactis consulting firms. The rise is expected to be driven by several policy changes and financial adjustments.

New taxes and reduced reimbursements

The proposed finance bill includes the renewal of an exceptional contribution of 2.05% on health insurance contributions, a measure already in place in the previous year. Additionally, starting January 1, several treatments will be less reimbursed by the Social Security system and complementary health insurance, increasing the financial burden on individuals and employers.

Transferring costs to insured individuals

The National Union of Complementary Health Insurance Organizations (UNOCAM) explained that the costs associated with these changes will not be eliminated but will be passed on to insured individuals and companies through higher contributions. The Constitutional Council recently rejected a planned price freeze in the 2027 Budget, which would have prevented this year's premium increases from being applied.

Consumer group warns of financial strain

The CLCV, a consumer protection association, warned that rising health insurance costs are making it harder for many households to afford complementary health insurance, increasing the risk that some people will forgo necessary medical care. The group called for greater transparency in pricing and stronger protections for retirees and those with individual health insurance contracts.

CLCV urges insurers to act

In its petition, the CLCV asked mutuals, insurers, and provident institutions to use reserves, reduce fees, and increase transparency to help limit premium increases. It also suggested that these organizations should use social action funds to support vulnerable insured individuals and provide clearer information about how contributions are used.

French Mutuals push for tax revisions

The French Mutuals, a group representing health insurance providers, called for a revision of the taxation on responsible and solidarity contracts. They requested a reduction in the additional solidarity tax (TSA) to ease the financial pressure on members, as current taxes include 13.27% for the TSA, 0.8% for the family doctor allowance, and 2.05% for the exceptional tax renewed in 2027.