Question 16360 — additional insurance

Summary

Mr. Sylvain Carrière alerts the Minister of Health, Families, Autonomy and People with Disabilities to the increase in mutual health insurance contributions in the first quarter of 2026, despite the freezing measure adopted in the social security financing bill (PLFSS). During the debates on the PLFSS 2026, the National Assembly adopted, in article 13, a provision aimed at freezing the contributions of mutual health insurance companies. This The measure therefore entered into force on January 1, 2026. Despite this, a survey conducted by the Que Choisir association highlights that almost all of the policyholders questioned noted increases in prices compared to 2025. On average, these prices were increased by 106.21 euros over the year. While some organizations have partially or completely reversed the increases applied, more than 90% of people affected by a increase have not benefited from any regularization to date. It appears that retirees, for whom prices are already higher, are the most affected by these increases. However, this problem is not new, since it had already been discussed on January 30, 2026, during the Minister's meeting with the Mutualité Française, the Federation of Joint Protection Institutions, France Assureurs and UNOCAM. Already at the time, the federations had announced to the Minister that they considered the freezing of their prices to be unconstitutional and that they did not intend to apply it. If this question will be decided by the Council of State in a few months, it is not normal that the law will not be applied until then. Furthermore, whatever the response of the Council of State, ambitious action is necessary to improve access to care for all. In Indeed, the State's disengagement in health matters for several years has led to an increase in expenses borne by complementary health insurance. The PLFSS 2026 thus provides for a transfer of 400 million euros in expenditure from social security to mutual societies and health insurance in terms of hospitalization. The government coalition also included in this text an additional tax on these organizations. These political decisions inevitably lead to a deterioration of the health system and access to care, particularly for the most vulnerable. He therefore asks her what she intends to do to enforce the law concerning the prices of supplementary health insurance. He also asks her what she intends to put in place to stop placing the State's disengagement in health matters on the budgets of the most vulnerable and to improve access to care for all.

Machine translation from French. The official text remains authoritative.

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