Tuesday, June 25, the National Health Insurance Fund published an alarming report: the deficit would reach nearly 16 billion euros in 2026! Health insurance reveals its proposals and aims for 4 billion euros in savings next year. Among these, a reform of the system of long-term conditions. Who is concerned? What will be the impact on Mutuals ? Lelynx.fr takes stock.
A reform to control care expenses
The situation of public finances continues to deteriorate and the National Health Insurance Fund (CNAM) must find solutions for guarantee its operation.
The CNAM offers in its report several levers of economics such as the reorganization of the healthcare system, the drop in drug prices, the fight against fraud, the limitation of sick leave, etc. and a Redesign of the long -lasting affections system, ALD.
Indeed, the aging of the population is inexorably accompanied by a increase in the number of people with chronic diseases, Like diabetes, heart failure, active chronic liver disease, HIV or certain cancers. Ces ALD pathologies are 100 % covered by health insurance.
In 2021, the expenses of health insurance relating to the insured in ALD rose to almost 12.3 billion euros and could cost near 16 billion euros by 2030 with a number of beneficiaries estimated at 1 in 4 people within 10 years.
What consequences for patients with long -term condition?
Social Security and the State wish to perpetuate this system which has not been changed since 1986 and Adapt the coverage of care to the severity of pathologies and the real needs of patients. The objective is to guarantee better system efficiency, while mastering public health spending.
Among the tracks mentioned, is the possibility of Take some people out of the ALD diet When they are healing or remission of certain pathologies. A perspective that worries the insured suffering from chronic diseases, which fear having to give up certain care, treatments or follow -up exams for avoid an increase in their dependent rest.
An inevitable impact on complementary health
In this context of a health system with a regulatory framework and evolution, complementary health could be strongly impacted. Indeed, expenses not covered by social security may be postponed to the insured and their mutuals, which could in turn have repercussions on the amount of annual contributions.
An increase in prices that would put more pressure on the health budget Households, already affected by the general increase in the cost of living. It therefore becomes essential to compare the quotes of mutual health insurance regularly andEvaluate your care needsin order to adapt its coverage and Save savings while maintaining a good level of warranty.
