What does the future hold for supplementary health insurance?

Chair Research

Author(s) Eric BROUSSEAU
Publication type Research Paper
Risques : les cahiers de l'assurance, 
Dossier – Quel avenir pour les complémentaires santé ?

Published by  | March 2022 | 

The coronavirus pandemic is at the root of a dual crisis: a health crisis, from which we are finally emerging, and a funding crisis, since the health insurance system has had to cover the exceptional expenditure of the last two years. After coming close to breaking even in 2019, the compulsory basic social security schemes have accumulated a deficit of more than €60 billion in 2020 and 2021, with no prospect of a return to equilibrium. In its report of October 2021, the Cour des Comptes (French State Audit Office) stated that "the ceiling of €92 billion authorised for the assumption of deficits by Cades for the financial years 2020 to 2023, set by the Act of 7 August 2020, will not cover the 20231 deficit". The time for structural reform has therefore come.

The Minister of Health, a health crisis manager, has therefore opened up his portfolio as Minister of Solidarity to commission a report from the Haut Conseil pour l'avenir de l'assurance maladie (High Council for the Future of Health Insurance).

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