The president of the French Mutualité, Eric Chenut, has urged lawmakers to consider reducing taxes on health insurance supplements during upcoming budget discussions. His goal is to prevent further increases in the premiums that individuals pay for health coverage. Chenut, who leads the National Federation of the French Mutualité (FNMF), pointed out that taxes on these supplements have grown significantly over two decades, rising from 400 million euros to 7.5 billion euros. He suggested that returning to a tax rate closer to that of essential goods and services—around 5.5%—could help stabilize or even lower insurance premiums.
The French government has announced that it will shift some reimbursement responsibilities from the national Health Insurance system to private health insurance supplements in the coming year. This change involves an additional one billion euros being redirected, including 590 million euros for dental care, 370 million euros for medications, and 490 million euros for medical devices. These adjustments are expected to influence the cost of insurance premiums for those who rely on complementary health coverage.
Starting in January, the government plans to reduce the proportion of certain treatments reimbursed by the national Health Insurance, shifting more of the financial burden to private health insurance providers. For instance, dental consultations and some dental treatments will be covered at 50% by the Health Insurance, down from the current 60%. This shift comes as premiums for private health insurance have risen sharply in recent years, reaching 46.5 billion euros in 2024. Increases have been recorded at 2.9% in 2022, 6% in 2023, and 8.2% in 2024.
Chenut emphasized that these changes could lead to higher costs for individuals who depend on health insurance supplements. He attributed the rising premiums to increased expenses covered by these supplements, changes in the reimbursement system, and higher overall healthcare consumption. As the government moves forward with its budget decisions, the debate over how to balance public and private healthcare financing continues to gain attention.
French Health Insurance Leaders Urge Tax Reduction to Curb Premium Increases
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