For several years, more and more municipalities have been calling on mutual insurance companies to develop local contracts for their residents: these are municipal mutual insurance companies.

Municipal mutual insurance companies are based on a simple but effective principle: risk pooling. By grouping together a large number of residents of the same municipality, public authorities negotiate collective contracts with insurers. This grouping makes it possible to obtain preferential rates thanks to a volume effect and a better distribution of risks.

The economic model is simple and is based on:

Collective bargaining: The municipality, as an intermediary, negotiates guarantees and rates with insurers. It thus benefits from greater negotiating power than an individual alone.

Risk pooling: By grouping together a large number of people, risks are better distributed. This helps limit costs for the insurer and therefore offer more advantageous rates.

Member contribution: Members pay a monthly contribution to benefit from the guarantees offered. The amount of this contribution is generally lower than that of an individual mutual insurance company.

Municipal mutual insurance companies are developing more and more and several factors explain this phenomenon:

Rising healthcare costs: Faced with the constant increase in healthcare spending, the French are looking for solutions to reduce their costs. Municipal mutual insurance companies offer an interesting alternative by offering competitive rates.

The desire to improve access to care: Municipal mutual insurance companies make it easier to access care for all residents of a municipality, including those on the lowest incomes.

Local solidarity: This system promotes solidarity between residents of the same municipality and strengthens social ties.

The aim is to reduce healthcare costs by offering preferential rates, municipal mutual insurance companies allow members to save money on their healthcare contributions. The municipality is responsible for negotiating contracts and managing memberships, which simplifies the process for residents. In addition, the guarantees offered are generally adapted to the needs of the local population. Finally, municipal mutual insurance companies help reduce inequalities in access to care by offering attractive rates.

Municipal mutual insurance companies are an interesting solution for local authorities wishing to improve access to care for their residents and reduce health expenditure. This model, based on risk pooling and collective negotiation, makes it possible to offer competitive rates and guarantees adapted to the needs of the population.

Municipal mutual insurance companies are part of this approach of useful and concrete service offered by local authorities to improve the quality of life of residents.