Health insurance and mutuals in France are expected to see significant price increases in 2027, according to the Addactis barometer released on September 21. The median increase for individual health insurance coverage is projected to be 8%, while collective contracts, such as those offered through employers, are expected to rise by 8.3%. Price hikes are estimated to range from 5% to 10.8% for individual policies and from 4.1% to 10.8% for company-based mutuals. These increases are higher than those seen in 2026, which had median rate rises of 5% for individuals and 6.2% for collective policies. A major factor behind these increases is the transfer of costs from the French Social Security system to private health insurance and mutuals. Recent government decrees have shifted the financial burden of several medical expenses to individuals, including medications with low or moderate medical necessity, medical transportation, devices, and dental care. For example, the reimbursement rate for the medication Spasfon will drop from 5% to 15% by the Social Security system, and coverage for Ozempic will decrease from 30% to 15%. Dental care coverage, which was already reduced to 60% in 2023, will now be covered only 50% by the public system, leaving the remaining 50% to be handled by private insurance. These changes are expected to place a significant financial strain on complementary health insurance providers. Eric Chenut, president of the French Mutualism Federation (FNMF) and the National Union of Complementary Organizations of Health Insurance (Unocam), estimated that the cost of these transfers could reach up to 1.5 billion euros for complementary health insurance. Including an additional 210 million euros in taxes, the total could rise to 1.7 billion euros. The rising costs of health insurance and mutuals have followed a similar pattern in recent years, partly due to the 100% health reform, a major initiative introduced during President Emmanuel Macron’s first term. This reform aimed to improve access to dental, auditory, and optical care by ensuring full coverage for these services. Since the reform’s implementation in 2021, mutuals have largely financed the cost of related equipment and services. In the 2026 Social Security financing law, socialist deputy Jérôme Guedj managed to include a provision to freeze the prices of health insurance and mutuals at their 2025 levels. However, this measure has been strongly opposed by insurance organizations, who argue it is unconstitutional. In April, Health Minister Stéphanie Rist referred the issue to the Council of State, France’s highest administrative court, to seek its opinion on the legal implications of the freeze. As of now, the matter remains unresolved.