A growing weight in daily expenses
Many are noticing that medical care is becoming more and more expensive. And this, even when you are well covered. Between the Fee overruns, poorly reimbursed procedures, or unexpected expenses – such as a pair of glasses or a specialist consultation – the mutual insurance company becomes a must. But but you still have to choose the right one, the one that corresponds to his situation, without blowing his budget.
The reform of the 100% healththe Complementary health insurance (CSS), or the gradual reduction in Social Security reimbursements, have changed the game. As a result, it has become imperative toAdjust your coverage to your personal reality rather than blindly subscribing.
What the numbers say: an average of €137/month
No surprise: The average price of a mutual insurance in France in 2025 will reach 137 euros per month, but this average masks significant disparities depending on the profile, i.e. €1,644 per year. This is a national average, all profiles combined. For the luckiest, there are offers around €101.75 monthly (i.e. €1,221 per year), but they remain in the minority.
What is striking is the Extreme variability of tariffs. Between the 25-year-old single person in great shape and the family of five with specific dental or optical needs, the gap is abysmal.
A continuous increase: why is it only increasing?
It’s hard to escape: the Mutual follow the inflation curve, or even earlier in some months. For several years, annual increases have been between 3 and 10%, with a Peak in 2024 particularly noticed. And 2025 continues this momentum.
What for? There are several reasons. Initially the increase in medical tariffs : a consultation with a general practitioner is now billed 30 euros. Then Public reimbursements are being reduced, particularly on dental care. And then, the ageing of the population is pushing insurers to anticipate heavier expenses over time.
A price that varies according to your profile
The price of the mutual insurance does not depend only on the guarantees: Your age, family situation, place of life and care habits play a key role. Here are some benchmarks for 2025:
Situation
Average monthly rate
Single without children
60 €
Childless couple
113 €
Couple with 1 child
148 €
Couple with 2 children
183 €
Single-parent family with 1 child
95 €
Senior only
86 €
Retired couple
162 € (81 € per person)
Segmentation is key: The needs of a young worker have nothing to do with those of a retiree. And for large families, Some mutual insurance companies offer discounts from the second child, a detail not to be overlooked.
Paris more expensive than the Vendée: the role of the place of residence
Yes, The price of a mutual insurance company also depends on where you live. In Paris, a family pays on average €143.38/monthagainst €120.61 in the Vendée. A monthly variance of Nearly 23 €, which can be explained by several factors:
- Fee overruns more frequent in large cities ;
- Different medical habits depending on the region ;
- And sometimes, even Specific diets, as in Alsace-Moselle.
We often tend to forget this, but a move can be an opportunity to review your contract.
Coverage purchased: the determining factor
This is the other major variable: the level of coverage chosen. In 2025, the average estimates by level are as follows:
Level of coverage
Annual fee
Economical
~850 €
Standard
~1465 €
Comfort
~2100 €
High-end
~2395 €
Again, It all depends on the needs. Optical, dental, hospitalization or alternative medicine are among the most expensive items. But You can personalise your health insurance, for example, by targeting private rooms or adult orthodontics. A good strategy, especially if you know your health priorities.
Why is it increasing? The real reasons
Beyond the big speeches, Several concrete factors explain the constant increase in tariffs :
- More expensive medical care : consultations, hospitalizations, prostheses…
- Social security reimbursements down (dental increased from 70% to 60% in 2023).
- Reforms such as 100% health, which, while helpful, have partially passed the costs on to insurers.
- Tax charges specific to mutual insurance companies, such as the TCA or the TSA, which are often forgotten in the public debate.
7 tips to pay less for your health insurance in 2025
There is no question of resignation. There are Concrete levers to reduce your bill. Here are seven of them, to activate without delay:
Choosing a mutual insurance company is a bit like shopping in a supermarket with no prices displayed : we grope our way forward, we compare on sight, we hope not to be too wrong. However, with the right tools and a clear vision of your needs, you can not only better cover yourself… but also pay less.
