Mutuals: why are prices increasing in 2022?

Mutuals increase on average by 3.4% in 2022. Why this additional cost? Explanations.

Our mutuals will cost us (even) more in 2022. The Parisian has just revealed a study of the Mutualité Française announcing a 3.4% average increase in the price of mutuals, after having surveyed 32 organizations which provide coverage for 17 million French people. What explains this rise in prices?

The daily stresses that 50% of complementary health take 2.4%, and others go up to 5.3%. Only 20% of policyholders will not see their price increase. For two years, the increase in these prices was capped at 2.6%, this year the mutuals had been asked by the State not to inflate subscriptions and to return part of the contributions to members. This was explained by the fact that the confinements saved them money (overall, we went to consult less than usual). So why is it all the other way around?

100% health costs more than expected

First because the dynamic is to increase everything : people are aging and healthcare costs more. We are better treated, more long-term ailments are being taken care of, medicine is making progress which is costing money (in terms of equipment, for example, but also of drugs). In fact, the health budget is not at all the same as it was twenty years ago, it has almost doubled, and in fact, mutuals have followed suit.

On the other hand, a recent measurement, 100% health, is very expensive. It aims to allow the French to be fully reimbursed for hearing aids, dental prostheses and glasses (on certain criteria), and it is very expensive for mutuals. A balance had been calculated, according to which the optical sector would save money to compensate for more dental and hearing care, but this did not go as planned.

Source : Le Parisien, Complémentaires santé: mutual insurance rates up 3.4% in 2022

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