2025 promises to be a year full of changes and Prime Minister Michel Barnier has the ambition to settle the financial accounts. If you have a vital card, expect big changes next year.
The state budget deficit pushes the government to take measures drastic measures, even if it means penalizing the French. Indeed, Michel Barnier, who replaces Gabriel Attal, aims to raise the bar and allow the government to make savings of 4 billion euros and all sectors will be affected by these changes. In addition, the 2025 Social Security funding bill, presented on October 10, aims to stop the bleeding and reduce the deficit to 16 billion euros. The immediate consequence of this ambition is the involvement of the insured with a great change in the vital cards.
Cartulina Vitale: billions of euros to compensate to fulfill the budget
Social Security in view of the government
With a deficit of 18 billion euros this year, Social Security is in the government’s sights. In fact, the PLFSS for 2025 plans to reduce this deficit and many measures are planned by Michel Barnier. First of all, the securing the Vital card to fight against social fraud. In his political speech, he mentioned it several times and explained how this measure will be implemented. Remember that his predecessor had started a new mission on the same subject in March.
Less reimbursement of consulting fees
U consultation with a doctor refunded at 70% will now be refunded at 60%. In fact, the 2025 budget foresees a reduction in the cost of an appointment with a health professional or a midwife. The rest to be paid will be borne by the insured’s mutual health insurance. Remember that some doctors no longer accept Vital cards which proves to be penalizing for modestly insured. This increase in out-of-pocket costs will be felt by patients from December. From January 1, the share of the Social Security will be 18 € and the mutual insurance companies will increase their share to 12 €, he indicates. Our time.
The dematerialization of the Vitale card
The big change expected in 2025 concerns the dematerialization of the Vitale card. The goal is to secure this card that it contains important data. It is with this in mind that the government plans to support it digital identity card of each insured by integrating it into the France Identity application. This news, which does not appear in the PLFSS, risks changing the habits of the insured.
Carta Vitale: what else can we expect in 2025?
Increase in mutual prices
In the same vein, mutual price increases are on the horizon with the objective of compensating for the deficit of health care costs. In 2024, the increase will be around 10% and is likely to be higher in 2025 for holders of a complementary health. For now, we can say how much it will be. Also, if you have a Vitale card, you should renew it quickly first this date.
Reduced coverage for sick leave
U sick leave reimbursement ceiling will be revised downwards, bad news for Health Insurance policy holders. Currently 1.8, it will increase to 1.4 in 2025 for compensation paid by this organization. Because it works, the government relies on the principle of communication ships to push employers to make more effort in terms of their contribution. The measure will enter into force next year, but the exact date is not yet known. There are situations that can prevent you from benefiting from a refund, such as holding two vital cards. A retired suffered this recently and if you are in the same situation, quickly update your information.
The pill is difficult to pass
According to DRESS, three million French people do not have complementary health insurance and will only have to pay the additional €12, a difficult pill to swallow. However, Geneviève Darrieussecq, Minister of Health, explained that people who suffer long term illness and those who receive a modest income will not bear this increase in costs. consulting fees. It should be noted that patients with complementary health insurance.