Question 13712 — supplementary insurance

Summary

Mrs. Colette Capdevielle draws the attention of the Minister of Labor and Solidarity to the increase in certain supplementary health insurance contributions in contradiction with article 13 of the social security financing law (LFSS) for 2026 passed in December 2025. This article in fact provides that, for the year 2026, the amount of contributions from supplementary health insurance organizations (OCAM) "cannot be increased in relation to that applicable for the year 2025”. It also provides that the cost of introducing the exceptional tax of 2.05% applied to complementary health insurance will not be passed on to policyholders. However, some mutual societies knowingly ignore article 13 and do not apply the freeze on contribution rates. Retired policyholders who no longer benefit from 50% coverage by their employer are the first to suffer from this increase which has already reached +13.30% in 2026. This increase is the largest in recent years. The OCAM decision is based on an erroneous interpretation of the LFSS voted by Parliament. The latter indicate that the new rates would have been defined before the introduction of the LFSS and would therefore not be due to the exceptional contribution that it provides, but rather to the increase in health expenditure and charges from the compulsory scheme to the supplementary schemes. She therefore asks him if the Government intends to enforce the will of Parliament and the law by requiring OCAMs not to pass on to policyholders a contribution which is exceptional.

Machine translation from French. The official text remains authoritative.

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