Healthcare

France — Healthcare: Private Insurance

A French complementary insurance policy (mutuelle) costs roughly €30-€100/month for an adult, and covers the ~30% gap PUMA (see [[public-healthcare]]) doesn't reimburse. Combined public Sécu + mutuelle costs typically run €20-€100+/month per adult; average mutuelle pricing rises with age (e.g. ~€110/month for a 60-year-old, ~€134/month for a family of three). Mutuelle premiums are expected to rise over 4% in 2026 on average, driven by a new solidarity levy and cost transfers from Assurance Maladie. Private-sector employers are legally required to provide a mutuelle and cover at least 50% of the premium — this obligation does not extend to the self-employed or retirees, who must arrange their own. For newcomers without PUMA access yet, a standalone private/expat health plan costs €50-€300+/month depending on age and coverage.

Feather Insurance / Fab French Insurance / Réassurez-moi pricing data · Last verified 2026-07-20

Key Facts

  • Mutuelle (complementary insurance) cost: ~€30-€100/month for an adult, rising with age (~€110/month at 60).
  • Combined public Sécu + mutuelle: typically €20-€100+/month per adult.
  • Mutuelle premiums expected to rise 4%+ on average in 2026 due to a new solidarity levy and cost transfers.
  • Employers must provide and co-fund (≥50%) a mutuelle for private-sector employees only — self-employed and retirees must self-arrange.

Steps

  1. Compare mutuelle providers — Pricing varies by age, coverage level, and family size.
  2. Check employer-provided mutuelle eligibility — Mandatory for private-sector employees, with ≥50% employer contribution.
  3. Bridge the PUMA waiting period with private/expat insurance if needed — €50-€300+/month depending on age and coverage.

Costs

  • Standalone adult mutuelle: €30-€100/month
  • Mutuelle for a 60-year-old: ~€110/month
  • Bridge private/expat insurance (pre-PUMA): €50-€300+/month

Common Mistakes

  • Self-employed individuals or retirees assuming a mutuelle will be automatically provided — the employer mandate only covers private-sector employees.
  • Not budgeting for the 2026 mutuelle premium increases (4%+) driven by the new solidarity levy.

Related Topics

public-healthcareaverage-costs
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