Reimburse without targeting the wrong recipient

  • Article
  • Insurance & Social Protection
  • Published May 20, 2026

Faced with a deficit in health insurance that could reach 41 billion euros by 2030, The question of the de-reimbursement of healthcare is back at the heart of public debate.

But behind this generic term lie very different mechanisms, with sometimes opposite economic and social effects. 

For several years, measures have been taken to strengthen policyholder participation: an increase in the out-of-pocket expense, a rise in medical deductibles, and a doubling of flat-rate contributions, all levers that reflect complex trade-offs between budgetary imperatives, political acceptability, and social justice.

Therefore, a central question arises: How to reduce healthcare spending without weakening access to care and the balance of the system?

 

What you will discover in this analysis 

  • An analysis of the main mechanisms for de-reimbursement
  • An analysis of their economic and social impacts
  • An overview of recent measures

 

The big questions at the heart of this memo 

  • What are the real effects of different de-reimbursement measures?
  • Ultimately, who bears the transfer of health insurance costs?
  • Do current mechanisms truly hold patients accountable?

 

Beyond budgetary issues, this analysis shows that the effectiveness of de-reimbursement policies depends primarily on their design, targeting, and clarity. 

Consult our analysis and discover the keys to interpretation to better understand the upcoming trade-offs and their implications for the future of our healthcare system.

An article by
Samuel Perardel
Consultant
Pauline Bailleux
Director
Camille Dugelay
Manager
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