Alan, the insurer who goes up, who goes up … but pushed by whom? This is the question that many observers of the mutualist world have been asking since the French start-up, pampered by Emmanuel Macron, won the complementary health insurance of the Ministry of Finance a few weeks ago, 130,000 agents, and even 300,000 members, if we add retired and entitled.
After Matignon, the National Assembly and the Ministry of Ecological Transition, the private insurer makes a new master stroke there, dethroning the passage of mutual actors like the MGEN or the MGEFI, historic mutual of Bercy.
A result made possible by a new obligation: at 1is January 2026, civil servants must, as in the private sector, have collective health contracts. The various administrations have therefore launched tenders, where insurers, mutuals, as well as this new entrant, Alan.
Barely recovered from these sudden setbacks, mutual operators and the CGT, Solidaires, FSU and UNSA unions, who had registered in a common approach, rewind the film to try to understand. And point to the small signs which, put end to end, draw a political will to put mutualism out of the benefit of private finance.
Several boosts welcome
Launched in 2016 by two entrepreneurs without experience in the sector-“we had to read all the insurance code”, admits Benoîment one of the founders-, this “Assurtech” (start-up of the insurance sector) promises to revolutionize the world of health, with health and artificial intelligence app. In 2019, the …
