The 6 % increase in the price of mutuals and medical consultations impacts the French and especially the elderly retired.
- In 2024, the price of mutuals increased by 8.1 % on average and, in 2025, a new increase was planned, by 6 % on average.
- This year 2025 also marks the increase in the cost of several medical consultations, such as that with the general practitioner who goes from 26.50 to 30 euros.
- Faced with the rise in health costs, some cities offer municipal mutuals where the negotiated rates are very interesting for retirees.
96 % of French people are covered by complementary health insurance, according to the Information report of the Senate information mission on complementary health and purchasing power of French. At the time, at the end of 2023, it had been set up “In response to the concerns aroused by increases in complementary health prices announced at the end of 2023”.
The more expensive mutual for retirees
Indeed, in 2024, the price of mutuals increased by 8.1 % on average. This first increase had already “particularly affected seniors”, According to the site Public life. The new increase provided for 2025, by 6 % on average, may impact them even more.
And for good reason, our elders are the most expensive. “” “In general, the monthly contribution increases considerably with age: 33 euros to 20 years; 93 euros at 60; 146 euros at 85”, Indicates the Senate report, which also points to the mechanical drop in purchasing power of retirees linked to loss of income, certain tax advantages or even aid to pay the employer’s subscription.
This year 2025 also marks increased cost of several medical consultationsas for example:
- From 26.50 to 30 euros since December for an agreed general practitioner sector 1, that is to say without exceeding fees.
- From 33.50 to 37 euros since December, then 40 euros next July for a gynecologist.
- From 51.70 to 55 euros since December, then 57 euros next July for a psychiatrist or a gynecologist.
- From 31.50 to 37 euros since December, then 42 euros next July for a coordinated consultation with the geriatrician.
On these approved prices, Social Security covers 70 % of the cost of the consultation. The remaining 30 % is covered by the mutual, when the patient has one. On the other hand, there is a Package participation of 2 euros On each consultation, which is not refundable.
The increase in the price of medical consultations explains that of mutuals
The revaluations of the price of medical consultations explain, in part, the increase in that of mutuals. But that’s not the only reason. Complementary health also highlight other factors such as the cost of innovative drugs, management of certain treatments such as that for bronchiolitis or the 100 % healthdevice by which they must reimburse dental, optical or hearing costs.
Faced with the increase in mutuals, retirees, as well as assets, can subscribe to municipal mutuals in some cities. The negotiated rates are generally lower – especially for the elderly – to those on the market, with significant guarantees.
