An increase of up to 7.3% in some cases.
We could have hoped that 2025 was a year without further increases, a welcome respite. Unfortunately, it will not be. Prices continue to climb in certain sectors, and among those who will suffer, retirees are on the front line. With often fixed income and a limited room for maneuver to save, each increase weighs a little more on their budget. This time, around 17 million French people (the number of retirees in France in 2022 according to INSEE) will not be able to escape the increase in an essential expenditure for their health. This is not at its first revaluation, it increases from year to year.
Indeed, the prices of complementary health insurance, whether coupled with a mutual insurance company, health insurance or health provident will increase this year. The specialized magazine 60 million consumers investigated the subject and published his conclusions in his last special issue “Mutuals and health costs: how to reduce the bill“(N ° 5042). Our colleagues questioned 232 retirees and all are unanimous, their contributions for their complementary health have increased drastically in recent years, “9.1 % on average between 2023 and 2024”and the year 2025 will be no exception. “The increase will be stronger”, Much more than inflation, even entrusts economist Frédéric Bizard to specialized magazine.
As the National Federation of the French Mutuality had already announced last December, all contracts will experience an average increase of 6%. Individual contracts paid only by retirees will increase by approximately 5.3% and the contributions of compulsory collective contracts, paid in part by companies, will have an increase of 7.3% on average, “optional collective contracts of 6.8%”, specifies the federation in its press release.
By analyzing several data in particular from the Dress, the team of experts from 60 million consumers come to the conclusion that : “The system is biased with on the one hand overprotected assets enjoying high -end guarantees, which they do not need because they are healthy and, on the other, retirees who pay alone 100 % of their contributions for contracts poorly covering them.” The more the retirees advance in age, the more they have to pay for their health, it has become almost inevitable!