The French government has announced a change in the reimbursement rates for certain medications under the **National Health Insurance** system, which has started a discussion among insurance companies and health economists. Beginning January 1, 2027, medications such as Spasfon or Gaviscon, which were previously partially reimbursed by the Social Security at 15% of their price, will only be covered at 5%. This means that the remaining 95% of the cost will have to be covered by complementary insurance organizations or by individuals themselves. Éric Chenut, President of the French Mutual Insurance Federation (FNMF), criticized the 5% reimbursement rate, estimating that this change could lead to an additional cost of 1.5 billion euros. However, he did not clarify that complementary insurance organizations are not legally required to cover the remaining costs for all medications with low or moderate medical benefit. The terms of the responsible contract, which represents 96% of the offers available on the market, do not require insurance companies to cover the "co-payment," the remaining cost for patients after the Social Security has intervened, except for medications reimbursed at 65% by the mandatory health insurance. According to the Drees, 95% of responsible contracts cover the remaining cost for medications reimbursed at 30% by the Social Security. However, only 80% of these contracts cover the remaining cost for those reimbursed at 15%. Denis Raynaud, director of the Institute for Research and Documentation in Health Economics (Irdes), notes that insurance companies often choose to cover these medications even when they are not required to do so. He explains that such coverage is typically a response to the demand from companies or individual insured people. Nine out of ten collective contracts and three out of four individual contracts cover "non-conventional care," such as sessions of "gentle medicine" like osteopathy, acupuncture, or sophrology. None of these disciplines is currently reimbursed, even partially, by the Social Security, but they are often included in the basic coverage of responsible insurance contracts. An expected 8% increase in fees in 2027 has been noted. According to the estimates of the Addactis firm, individual contract premiums should rise by 8% on average, and collective offers by 8.3% on January 1, 2027. Policyholders are used to more or less strong increases in recent years, motivated by the organizations through the various reforms of the Social Security reimbursement. Denis Raynaud suggests that removing these reimbursements from basic contracts and offering them as an option could give consumers more choice, but he notes that the complexity of the contracts makes this difficult, as consumers may not understand which coverages are necessary and which are accessory, potentially overpaying for unnecessary guarantees. The government's decisions are reflected in the rates, with proposals from a report commissioned to four experts suggesting a refocusing of health insurance on essential medical care, narrowing the scope of responsible contracts with a kind of "essential contract," and transferring the coverage of short-term sick leave to pension funds.