Supplementary Health Insurance 2026: Why Your Premiums Are Increasing and How to Reduce Your Costs Now

At the end of each year, policyholders discover the new premiums for their supplementary health insurance. And for 2026, the first reports show a clear trend: rates are rising again. But why do these increases happen every year? And most importantly, what can you actually do to avoid overpaying? This article gives you clear explanations, practical tips, and a simple method to optimize your health coverage starting today.

Why do supplementary health insurance premiums increase every year?

Contrary to popular belief, insurers do not raise their rates simply by choice. Several structural factors explain these recurring hikes. Here are the main ones:

1. Increasing cost of medical care

The price of consultations, medical procedures, lab tests, dental prostheses, and even medical devices goes up every year. When Social Security doesn't increase its reimbursements at the same rate, supplementary insurers absorb the difference, which impacts your premiums.

2. The aging of the French population

With an aging population, overall health expenses rise. Insurers, which operate on the principle of risk pooling, pass these costs onto all their members. The greater the medical needs, the higher the premiums must rise.

3. Regulatory changes

Certain government decisions (reforms, required coverage, care baskets, etc.) can force insurers to cover more services or adjust their coverage limits. These adjustments often lead to increased internal costs.

4. Inflation and rising administrative costs

Like all businesses, insurers are affected by inflation: rising wages, rents, technology costs, and administrative expenses. These extra costs inevitably impact your premiums.

5. Changing trends in healthcare consumption

People in France are seeking care more often and more regularly, and are increasingly using preventive, paramedical, or alternative services. This increases the number of reimbursed services, which mechanically drives up costs.

How to explain your premium increase in 2026?

Insurers have already announced their new rates for 2026. Several trends are emerging:

• An average increase in premiums linked to rising health expenses.
• Specific adjustments based on the policyholder's age or profile.
• A general review of coverage for optical, dental, and hospitalization.
• Standardization of some plans, often less favorable than previous contracts.

These changes don't mean you have to accept higher rates without recourse. A simple comparison can reveal significant differences between companies.

Tips for reducing your premium without sacrificing coverage

1. Eliminate unnecessary coverage

You may be paying for options you never use (alternative medicine, private room, spa treatments, etc.). Adjusting your plan can lower your premium while keeping the essentials.

2. Check your actual reimbursement level

Some people overpay for excessive coverage, while others pay a lot for minimal reimbursements. A personalized review will help you fine-tune your coverage.

3. Compare multiple companies

Premiums can vary by more than 30% between insurers, sometimes for identical coverage. Comparing is now essential.

4. Check out new offers

Newer contracts are often more competitive than old ones, which may be outdated or less advantageous. Updating your plan can save you several hundred euros per year.

5. Use an independent broker

A broker will analyze your policy for free and compare dozens of offers for you. You benefit from a tailored review without ever paying more. The broker is paid by the insurer, not by you.

Why analyze your contract now instead of in January?

The 2026 increases are already in effect. Waiting until January means:

• missing the best market deals, often available before demand surges;
• facing a price hike without a quick chance to optimize;
• being rushed and picking a solution in haste;
• missing out on new offers better suited to your needs.

By reviewing your policy now, you regain control over your health budget.

Free analysis of your supplementary health insurance

We offer a clear, personalized, and free review of your current policy. No commitment, no paperwork: we handle the comparison for you and present the best options.

To get started:

• Call 04 11 66 55 54 for an immediate diagnosis.
• Or schedule an appointment with a consultant: Schedule an appointment with a consultant

Optimize your health insurance before 2026

Many policyholders discover they can reduce their premiums or improve their reimbursements simply by comparing their plan. With the expected 2026 increase, now is the perfect time to act.

Your health and your budget deserve clear, tailored, and fairly priced coverage. Don’t wait for the next increase: have your policy reviewed now.

Phone: 04 11 66 55 54
Online contact: Schedule an appointment with a consultant