{"id":10386,"date":"2023-01-28T00:49:12","date_gmt":"2023-01-27T23:49:12","guid":{"rendered":"https:\/\/www.eurogroupconsulting.com\/?p=10386"},"modified":"2026-01-29T11:24:32","modified_gmt":"2026-01-29T10:24:32","slug":"supplementary-social-protection-whats-changing-in-the-public-sector","status":"publish","type":"post","link":"https:\/\/www.eurogroupconsulting.com\/en\/publications\/article\/protection-sociale-complementaire-ce-qui-change-dans-le-public","title":{"rendered":"Supplementary Social Protection: What's changing in the public sector"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"10386\" class=\"elementor elementor-10386\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7fca7baa e-con-full e-flex e-con e-parent\" data-id=\"7fca7baa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-51a83577 elementor-widget elementor-widget-text-editor\" data-id=\"51a83577\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>In recent years, the supplementary health insurance market has undergone increasing regulation, leading to significant changes in its composition. The\u00a0<strong>reform of the\u00a0<a href=\"https:\/\/www.fonction-publique.gouv.fr\/la-dgafp\/les-grandes-reformes-en-cours\/la-reforme-de-la-protection-sociale-complementaire-des-agents-publics\">Supplementary social protection<\/a><\/strong>\u00a0comes to conclude a cycle leading to a definitive shift to a market predominantly driven by collective contracts.<\/p><p>While the 2013 National Interprofessional Agreement (ANI) mandated the generalization of supplementary health coverage through collective agreements in the private sector, public sector employees are still operating under a voluntary individual contract model.<\/p><p>Public servants today have the choice of contributing, or not, to a complementary organization\u2019<a href=\"https:\/\/eurogroupconsulting.devnos-expertises\/secteurs\/assurance\/\">insurance<\/a>\u00a0disease (OCAM). Furthermore, if ministries reference OCAs and finance part of the contribution if an employee joins, they always benefit from the free choice of their supplementary health insurance.<\/p><p>The reform of supplementary social protection for civil servants, decided in 2022 and currently being implemented, aims to align the public sector's protection model with that of the private sector.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a5ed024 e-con-full e-flex e-con e-parent\" data-id=\"a5ed024\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-10a12bf elementor-widget elementor-widget-text-editor\" data-id=\"10a12bf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Cet alignement fait suite au constat de nombreuses in\u00e9galit\u00e9s v\u00e9cues entre secteur priv\u00e9 et secteur public, tant sur le nombre de personnes couvertes que sur la participation de l\u2019employeur au financement de la cotisation. 83% des fonctionnaires font appel \u00e0 une compl\u00e9mentaire sant\u00e9 \u00e0 adh\u00e9sion individuelle, 13% b\u00e9n\u00e9ficient d\u2019une compl\u00e9mentaire en contrat collectif (en particulier par le biais des conjoints), 2% sont couverts par la CSS et 2% restent non couverts.<\/p><p>The reform of the supplementary health insurance aims to guarantee a collective complementary health insurance, financed at 50% % by the public employer, which will reduce the out-of-pocket expenses for civil servants and improve their access to quality care, particularly concerning optical, dental, and hospital care. By making complementary health insurance mandatory, the State wishes to improve the efficiency of the system, with a minimum base of accessible care, especially for the most vulnerable. Emphasis is also placed on the need for prevention, through guarantees covering routine and preventive care, with the aim of reducing the need for complex treatment in the long term.<\/p><p>This reform is part of a broader effort to modernize social protection for agents by adapting it to their needs.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2b49913 e-con-full e-flex e-con e-parent\" data-id=\"2b49913\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7b47819 elementor-widget elementor-widget-heading\" data-id=\"7b47819\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">A PSC That Challenges the Positions of Historical Actors<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d8e120 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"6d8e120\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-df66559 e-flex e-con-boxed e-con e-parent\" data-id=\"df66559\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a7325f0 elementor-widget elementor-widget-text-editor\" data-id=\"a7325f0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Beyond the evolution for public sector employees, this reform risks profoundly transforming the supplementary health market by challenging the positions of historical players. Our projections allow us to identify a risk of losing nearly 750,000 contracts spread among these mutual insurance companies, leading to significant reductions in portfolios and associated revenue.<\/p><p>However, the impact is not the same for all the mutual insurance companies concerned. Indeed, for these mutual insurance companies, 3 scenarios emerge. Scenarios that must now challenge the mutual insurance companies concerned in order to identify short and long-term solutions to remain in the supplementary health market. Several options are possible in this regard.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>In recent years, the supplementary health insurance market has undergone increasing regulation, leading to significant changes in its composition. <\/p>","protected":false},"author":5,"featured_media":10387,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[32],"tags":[],"class_list":["post-10386","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-article"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Protection Sociale Compl\u00e9mentaire : Ce qui change dans le public<\/title>\n<meta name=\"description\" content=\"Le march\u00e9 de la compl\u00e9mentaire sant\u00e9 a 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