Question 14409 — supplementary insurance

Summary

Mr. Laurent Alexandre alerts the Minister of Health, Families, Autonomy and Persons with Disabilities to dysfunctions noted on the ground concerning the application of the freezing of contributions provided for by article 13 of the social security financing law for 2026. Article 13 provides for an exceptional contribution of 2.05% on the income of supplementary health insurance organizations for the year 2026. elsewhere, I° clearly states that “for the year 2026, the amount of these contributions cannot be increased compared to that applicable for the year 2025”. In other words, the law imposes the obligation to freeze the rates paid by policyholders to complementary health insurance organizations for the year 2026 in relation to the rates applied by these organizations in 2025. The objective is to avoid the repercussions of the exceptional contribution established by the same article on insured persons. III° of Article 13 specifies that the latter applies from January 1, 2026. However, the MP has been alerted by many citizens in his constituency of difficulties in the application of this freeze on contributions. In fact, members of complementary health insurance organizations have seen the prices applied to them increase in 2026, in defiance of provisions of article 13 and its application as of January 1, 2026. The protection of policyholders is however essential to prevent the burden of the exceptional contribution to supplementary health insurance organizations mentioned in article 13 of the social security financing law from falling on them. This measure is all the more essential for the purchasing power of members in the current situation, given the rising fuel prices and the general rise in prices, particularly in rural areas where the use of the car is essential to everyday life. Several policyholders have reported that when they contact the mediation bodies of their organization to ask them for the effective application of the price freeze for 2026, some indicate in their response that “the precise implementation of the legal provisions is still in progress clarification" and thus postpone the implementation of the price freeze provided for by law for 2026. The latter seem to be based on IV° of Article 13, which provides that "before March 31, 2026, the Government and the National Union of Health Insurance Funds enter into negotiations with the National Union of Supplementary Health Insurance Organizations relating to the conditions ensuring that the amount of the contribution established in this article is not passed on by the organizations subject to the supplementary health insurance contributions stipulated during the current and future financial years. He deplores this confusion maintained by the responses of the organizations between the freezing of prices, which must be effective for the year 2026 and the negotiations provided for by law on the conditions aimed at avoiding the repercussion of the contribution exceptional on the contributions paid by their members. Thus, faced with the observation made by the MP on the lack of effectiveness in the application of the price freeze for members of complementary health insurance organizations, he wishes to know whether measures are planned by the Government to enforce this legislative provision and if so, what the modalities would be. Therefore, to enforce effectively the law in the interest of policyholders, he asks it to confirm that article 13 of the social security financing law and particularly its I°, concerning the freezing of the amount of contributions for the year 2026 is indeed effective and directly enforceable by policyholders against their supplementary health insurance organization since January 1, 2026 and that no condition precedent to this freeze is provided; a return to the negotiations between the Government and the representatives of supplementary health insurance organizations which had to be initiated before March 31, 2026, in accordance with IV° of article 13 of the social security financing law, in particular to ensure that the subject of these negotiations is a subject quite distinct from the obligation to freeze the amount of contributions for the year 2026 and to control, always in the interest of the insured, the failures in the application of the obligation to freeze prices by supplementary health insurance organizations. He therefore wishes to know the means planned by the Government on the one hand to enforce the law to allow policyholders to be reimbursed quickly in the event of overpayment from supplementary health insurance organizations.

Machine translation from French. The official text remains authoritative.

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