Tuesday, January 18

Mutuals increase their rates by 3.4% in 2022

As France is going through the fifth wave of coronavirus, the consequences are being felt on the purchasing power of the French, who will see the prices of their mutuals increase in 2022.

After energy, food and raw materials, it is therefore the turn of health to see its prices go up. An increase of around 3.4%, which the French will be able to see this year, and which is higher than that of 2021 (+ 2.6%). And this despite the request, in mid-October, from the Minister of Health Olivier Véran concerning the restitution of the savings made during the confinements, via a letter addressed to complementary health.

Between 2020 and 2021, there were indeed much fewer visits to the doctor, the French giving up care during the first wave of the pandemic. Mutuals have also been able to save money thanks to teleconsultations which have multiplied.

Mutuals react

La Mutualité Française, professional union of mutuals, for its part minimized this increase, specifying that these 3.4% of additional contributions remained despite everything lower than those of health insurance expenses, excluding Covid, amounting to 3.8. %. According to the annual study carried out by this union with 32 mutual insurance companies and concerning 17.1 million French people, only “2% of the population covered by a mutual insurance company will see their contributions increase by more than 6% in 2022”. For half of the mutuals that took part in the study, “the rate of increase in contributions is on average less than 2.4% and for 3.6 million people the contributions will not increase”.

According to the Mutualité Française, the causes mainly come from “the year 2021, which was atypical with an unprecedented increase in health spending. These costs were passed on to the mutuals which reimbursed 6% of additional health services in 2021 compared to 2019 for a total amount of € 900 million, bringing the reimbursements of the mutuals to € 16 billion. ”

«Contributions have always evolved at the same rate as the services they serve, ”specifies the organization, which, more generally, poses a more structural than cyclical observation: aging of the population, increasingly expensive care due to technological innovations, and development of chronic diseases.


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