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If this is not a trial in charge, sounds are strong. The Government, through the voice of Eric Woerth, has to take a new round against the complementary health. The purpose of the discord is known. It focuses on the impact of the EUR 1 billion tax decided last summer. It corresponds to an increase in the contribution to the Fund of the coverage universal health (CMU), passed on 1 January of 2.5 to 5.9 of the turnover.
Taking the witness insured, the Minister of the Budget says it: "the complementary health can afford not to increase premiums." And to argue that they constituted important reserves in recent years 17 billion euros of funds own with increases in contributions ( 48.2 between 2001 and 2006) higher than health expenditure ( 32.2).
This analysis, the bodies the challenge. Since the month of September, the French Federation of insurance (FFSA) insists that, to the tax, "only room for manoeuvre would increase rates". "The balance of the complementary health company appreciates over long period, said Jean-Louis Faure, Delegate General of the technical Centre of provident institutions (CTIP). The activity is marked by the alternation of periods surplus and deficit: over 10 years, the aggregation of results fills gaps and allows to fund the regulatory solvency margin.
While acknowledging that mutual have many reservations (corresponding to six to eight months for reimbursement of care), the Mutualité recalls that "it is essential to their functioning." "Any State action aimed at appropriating a portion occurs at the expense of members", explains the President Jean-Pierre Davant.
That Act. On 1 January, the price of complementary health increased from 3 to 8 ("Les Echos" of December 5 and 6). The equation is quite simple. The structural drift of health expenditure is of the order of 3.5 to 4.5. By adding the 3.4 tax, tends to 7-8 inflation, while amortized in part by competition on this market of EUR 28 billion.
Increase the added value
It remains that the complementary health costs growing more expensive, the order of 600 to 650 euros for a single person in 2009. For a cost-benefit ratio, seems less and less noticeable by the client. Is this the scheduled end of an economic model based on simple reimbursement The sector, with approximately 900 players, operates with more than 300 management platforms, there where in there is more than four in savings... "Overall, the trial of the Government is not justified: Yes, some operators have very high rates of margins, but they remain marginal." "That said, the profession must enquire on costs of management and marketing, and its tendency to repay window open instead of the risk management", observes Mathias Matallah, Chairman of the cabinet Jalma.
Increase the added value or risk of disappearing "Is this justified to continue to load 10 to 15 management fee and 6 to 10 of commercial costs on the basis of contributions which increases", asked Michel Collombet, a partner at Eurogroup. So far, the only response of the complementary to the grumbling of the insured has been a tendency to "low cost", but, on current risk, it is dangerous to run, especially if the reform of the health shield is implemented.
This movement is likely to continue in 2009The timing of the announcement is perfectFinally it is at the head of two small structuresNothing of the sort of less formalized exists todayIf we had wanted to make the entry we would more exist Therefore much time to earn enough observations6 billion has finally not been just overpaidOur assessments are already internationalAs the British place has structural strengthsBy 2015 nearly 200000 active members 580
