How Much Does Health Insurance (Mutual Health) Cost This Year?

Health insurance, also called \\"mutual health\\", has become an indispensable element for the majority of French people. Each year, the rates evolve according to multiple criteria: age, place of residence, chosen levels of guarantee and social regime. Let's discover together the trends for 2025.

Factors Impacting the Price of a Mutual Health

The rate of a mutual health insurance is influenced by age, region, subscribed guarantees and affiliation regime. The higher the risks, the greater the premium.

Average Rates of a Mutual Health in 2025

The rates vary according to age and region:

Average Price by Age Range

Young adults: 30 to 50 €, Active adults: 50 to 105 €, Seniors: up to 150 € per month.

Average Price by Region

Examples: Alsace-Moselle 34-36 €, Île-de-France 40-55 €, PACA 45-60 €.

Major Influence Criteria

Age

Age remains the main criteria: the older you get, the higher the contributions.

Place of Residence

Some regions benefit from reduced rates like Alsace-Moselle.

Subscribed Guarantees

The more extended the coverage (optical, dental, hospitalization), the higher the price.

Price Comparison by Coverage Level

From hospitalization only (15-25 €) to the high-end formula (130-200 €).

How to Choose Your Mutual at the Best Price?

Personal assessment, online comparators, vigilance on tariff evolutions, these are the keys to making a good choice.

Why do Rates Increase?

Aging population, new regulations, increase in health expenditures explain the annual increases (3-5%).

Tips to Save on Your Mutual

Choose an appropriate coverage, favor collective offers, review your contract annually.

Conclusion

In 2025, insuring your health costs between 30 € and 200 € per month. Comparing offers and adjusting your guarantees is essential to control your budget while benefiting from effective coverage.