Anyone can take this approach: single people, families, but also and above all retirees.
For many, the mutual health insurance has become a full -fledged expenditure position. Each year, contributions increase, sometimes far beyond inflation. In 2025, the increase was approximately 5.3%. And the more age we advance, the more the guarantees cost expensive. As soon as you have children, prices are also climbing, because you have to cover orthodontic care, glasses and regular medical consultations. Result: you can easily exceed a hundred euros per month for a family, or even more if you want good guarantees. Likewise for retirees, with whom the invoice often weighs heavier compared to their income. So what to do to reduce costs?
Contrary to what one might think, it is quite possible to save money on your mutual. It’s even simple and above all, everyone can do it: single people, such as families and the elderly. The solution? Regularly renegotiates his contract with his mutual. Said like that, it may seem boring, but the savings are very real. Obviously, it all depends on the level of coverage we need, but it’s worth leaning anyway.
After contacted several mutuals, only the Matmut provided us with a few figures. According to her, “It is possible to reduce your contributions without strongly compromising your health coverage, withdrawing certain comforts (guarantees, editor’s note)“”which makes it possible to obtain “up to 20 % reduction” on the contract. Concretely, if we take the valid prices in 2025 in Matmut, a bachelor living in Paris with the offer “good for my head” level 2 with the guarantees “Hospi-pharma-gentle” comforts “to 52.40 euros per month can, by renegotiating his contract, move to a level of type 1 coverage, without the additional guarantees, for 32.00 euros per month. Or 20.40 euros in savings each month. Where it can be a little more advantageous, it’s for families …
A 40-year-old couple with two children in the Paris region pays 197.64 euros per month for the “good for my head” formula with the guarantees “Hospi-Pharma-Médecines”. By choosing a slightly lower level, the bill would increase to 137.02 euros per month. Result: 60.62 euros in monthly savings, or more than 720 euros per year. Same principle for a retiree of 65 years in the Paris region: by going from a contract to 110.75 euros to another to 97.64 euros, it would save 13.11 euros per month. Great savings so!
But before renegotiating your contract, the magazine 60 million consumers Advises in its special issue “Mutuals and health costs: how to reduce the bill”, published in April 2025, to list your health expenses. To do this, just download your statements to Ameli.fr and take stock of care actually used in the past two years. This will help you see what costs you the most and adjust your coverage according to your appointment with your mutual insurance company.
