The PLFSS finally voted!

In the face of today's economic and social challenges, Gerep is proposing a bold and disruptive Social Security Financing Bill (PLFSS) to meet the needs of current and future generations. This plan is based on rigorous multi-year management, refocused healthcare priorities and optimized social protection mechanisms.

The PLFSS "Gerep": A Bold Vision for the Social Security of Tomorrow

1. A multi-year Social Security Financing Plan for a medium-term vision

Gerep is proposing a three-year Social Security Financing Plan (PLFSS), to set a clear and coherent course for the governance of public healthcare policies. This approach provides companies and healthcare players with the visibility they need to deploy long-term social strategies. Multi-year planning ensures better coordination of health priorities in a constantly changing environment.

2. A golden rule against annual deficits

To ensure the long-term viability of the social security system, a golden rule prohibiting annual deficits is essential. In 2024, the expected deficit is 18 billion euros, adding to the accumulated social security debt financed by CADES, the interest cost of which weighs heavily on public finances. Since its creation in 1996, CADES has assumed a cumulative total of 387.7 billion euros in social security debt as of December 31, 2023, of which 242.6 billion euros has already been amortized.

The annual interest on this debt represents a significant burden on public finances, estimated at around €1.2 billion a year.

This measure is designed to avoid passing on an unsustainable debt to future generations.

Of course, this also means giving policyholders a sense of responsibility when it comes to healthcare costs.

3. Rethinking the universality of social security

The universal social security model needs to adapt to new challenges, such as an ageing population, an increase in chronic and mental illnesses, and pandemics.

Gerep recommends redefining fields of intervention by focusing on priority risks over the next ten years. For example, the reimbursement of optical care, virtually non-existent today, could be reallocated to priorities such as mental health, more aggressive prevention campaigns, and certain drugs such as Doliprane could even be delisted.

4. Reform of sick leave and absenteeism

To reduceabsenteeism, salary continuation during social security waiting days could be prohibited. In return, savings would be reinvested in individualretirement savings accounts for employees. This measure strikes a balance between short-term penalization and future benefits for employees.

5. An additional contribution for retirement savings

The creation of an additional minimum contribution, financed 60% by the employer and 40% by the employee, would make it possible to build up collective retirement savings. These funds, reinvested in the economy, would complement the current pay-as-you-go system and strengthen the resilience of the pension system.

6. Remove the "tunnel of care" from responsible contracts

Removing the "tunnel of care" constraints from responsible health insurance contracts would give insurers greater flexibility to build tailored offers. Policyholders would thus benefit from coverage closer to their needs, and increased purchasing power.

7. Towards customized group contracts

Gerep proposes introducing a measure of individual customization into group contracts(health, provident and retirement savings). This would enable employees to arbitrate between different risks according to their specific needs, making the system fairer and more efficient.

8. Reform of the tax on insurance policies

The current tax on health insurance contracts, added to the csg crds, amounting to over 20% of health premiums, should be replaced by integration into the VAT system. This measure would reduce costs for policyholders while harmonizing taxation.

9. Simplify social exemption rules

To avoid abusive reassessments by the Urssaf due to complex rules, Gerep recommends the introduction of an annual envelope of contributions deductible from social security charges, considerably simplifying the current system by eliminating all other conditions for exemption.

10. Optimize data sharing

Last but not least, data sharing between social security and complementary healthcare organizations needs to be facilitated. This would help to optimize care paths, improve the efficiency of social protection and better combat fraud.

11. Promote social dialogue

Enable the social partners to take control of the PLFSS measures: on which subjects are they prepared to make efforts to achieve a balanced social security system? This would make it easier to assimilate and accept the measures, which today are imposed by the political class.

A course for the future

The PLFSS proposed by Gerep is a proactive response to the current and future challenges facing social security. It combines budgetary rigor, adaptation to new healthcare challenges and improved collective mechanisms to build a more solid and equitable system. It's an ambitious vision to ensure the sustainability of our social model, while supporting economic dynamism.

Find out what's likely to change for businesses:

• Compared to the PLFSS 2025 for health and personal protection
• Compared with PLFSS 2025 in retirement