Health insurance: what are low-cost contracts worth?

At 33, Valentin, a single, childless, freelance graphic designer in Paris, canceled his health insurance, which he found too expensive. "Why pay 45 euros a month when I only go to the doctor once a year?" he asks. "Exasperated" by the surge in health insurance prices , he opted for a minimalist offer at 15 euros a month to protect him against hospitalization costs in the event of a crisis. "I save more than 300 euros a year," he says happily.

In return, Valentin no longer benefits from the advantages of his old mutual insurance labeled "responsible" . This type of contract, which appeared with the law of August 13, 2004 and which must respect ceilings and floors for reimbursement of care, reimbursed him for his medications and consultations, in addition to Social Security. Above all, his old complementary insurance offered him access without upfront costs and without remaining costs to optical, dental and hearing equipment thanks to the 100% health system , a promise of Emmanuel Macron. "I was very well covered, but I don't wear glasses, my teeth are well aligned and I don't have any hearing problems," he argues.

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