An average increase in healthcare prices of 4%
Each year, insurers offer average increases from 1 to 2% of their products. In the case of health insurance, a vast study carried out on more than 600 mutuals has shown much larger increases for 2021. Insurance companies have achieved an increase in their rates of around 4% compared to l year 2020. This increase is equivalent to three times the increase in purchasing power expected for French consumers in 2021. This trend seems difficult to understand in a health context where policyholders have often had to face complex situations. It seems more useful than ever to consider changing insurer to benefit from more affordable rates. An online comparator recognized as lecomparateurassurance.com can be asked to estimate which are the most attractive offers. This is a great way to get insurance at the best price.
Hikes due to the Covid-19 tax?
It is difficult to find objective reasons for the increase in the price of mutual health insurance in 2021. The most obvious mechanism seems to be a “compensation” for the Covid-19 tax decided by the government. Declared last September, it consisted in asking insurers for a contribution of 1.5 billion euros, offsetting the 2.2 billion euros in savings obtained by these same companies following the health crisis. While it seemed logical that consumers would not be harmed by this decision, the facts show that it is not. Many insurance offers have seen their price increase mechanically, thus representing an ever greater burden on the budget of the French.
Prices that shouldn’t go down
The big question now is whether lower insurance prices can be expected in the months to come. Since December 1, 2020, policyholders have the possibility to terminate at any time an additional subscribed for more than a year. This solution, allowing competition to take effect, could have encouraged insurers to lower their prices. It now seems certain that this will not be the case, despite the presence of more than 500 players in the health insurance market alone. However, some companies have undertaken to freeze their rate increases for 2021.
The health crisis has not contributed to lowering insurance prices. To take advantage of the most attractive offers, individuals can turn to online comparators to find affordable solutions.
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