Since the implementation of the ANI (National Interprofessional Agreement), all companies are required to offer supplementary health insurance to their employees. But what is the true cost of company health insurance? Between premiums, employer contributions, and the different levels of coverage, it’s not always easy to navigate. Whether you want to evaluate your MGAS company health insurance plan or compare offers on the market, this guide helps you understand all the factors that influence the price of company health insurance. The average cost of company health insurance in 2025 The price of company health insurance varies considerably depending on several criteria. On average, the cost of company health insurance is between €30 and €80 per month per employee for basic coverage. This price can climb to €150 for premium plans including extended coverage. Cost sharing is generally as follows:
The employer covers at least 50% of the premium.
The employee pays the remaining premium. Dependents (spouse and children) can be covered for an additional fee. Factors influencing the price of company health insurance:
Company size: The more employees a company has, the better its negotiating power with insurers. Large companies benefit from group purchasing power, which significantly reduces costs per employee.
- The level of coverage chosen:
- The price varies considerably depending on the coverage offered:
- Basic plan: Minimum legal reimbursement + co-payment
Intermediate plan: Enhanced dental and vision coverage
Premium plan: Reimbursement at 200-300% of basic rates, hospitalization in a private room
The average age of employees
A company with older employees will generally pay higher premiums, as medical risks and healthcare needs are statistically more frequent. This becomes particularly important for seniors approaching retirement who need to plan for changes in their supplemental health insurance after age 70.
- The sector of activity Certain professions present specific risks that can influence the cost of supplemental health insurance.
- Mandatory vs. optional supplemental health insurance: impact on costs Since 2016, all private sector companies have been required to provide mandatory group health insurance for their employees. This obligation has several consequences on costs:
- Mandatory health insurance Minimum 50% employer contribution
Group contract negotiated for all employees
Generally more advantageous rates thanks to the pooling effect Optional health insuranceEmployees have the right to refuse coverage
Possibility of subscribing to additional coverage
Generally higher costs for individual options
It is important to note that upon leaving the company, employees can benefit from the portability of their health insurance.
The Evin Law allows employees to keep their company health insurance
under certain conditions, which can influence initial contract choices.
- Infographic illustrating the cost breakdown of health insurance between employer and employee in 2025
- How to calculate the total cost of company health insurance?
- To estimate the actual cost of company health insurance, several elements must be taken into account:
Basic premiums
- Multiply the monthly rate by the number of employees and by 12 months. Don’t forget to add dependents if the employee’s family is covered.
- Administration fees
Some insurers charge processing or administration fees in addition to the main premiums. Optional coverages Enhanced dental care, premium vision care, private hospital room: these options increase the cost but offer better coverage.
To choose the best group health insurance plan at the best price, it is essential to compare plans. This process requires careful attention because
some mistakes in choosing supplemental health insurance
can be costly in the long run. Here are the criteria to consider:
Essential coverage
Reimbursement of routine medical expenses
Dental and vision care
Hospitalization and specialized care
Alternative medicine and prevention
Additional services
Online teleconsultation Health assistance and advice Network of partner healthcare providers
Mobile app for reimbursements
- Tax breaks and benefits for group health insurance plans
- Companies can benefit from financial incentives when setting up a group health insurance plan. These measures are part of a broader approach to access to healthcare, which aligns with the goals of universal health coverage:
- Tax deduction: Employer contributions are tax-deductible.
Exemption from social security contributions: Employer contributions are not subject to social security contributions within certain limits.
- Employee benefit: The employer’s share is not subject to employee income tax.
- Request a personalized quote. Since each company has specific needs, it is recommended to obtain several quotes to compare offers. Insurers generally offer online simulations that allow you to quickly estimate costs based on:
- The number of employees
- The average age range
The desired level of coverage
Specific coverage for the sector of activity Frequently asked questions about the cost of company health insurance What is the minimum cost of company health insurance?
- The minimum cost is around €30 per month per employee for basic coverage that meets the minimum requirements of the National Interprofessional Agreement (ANI). The employer must cover at least 50% of this premium. Do dependents significantly increase costs?
- Yes, coverage for a spouse and children can double or triple the monthly premium. On average, expect to pay an additional €50 to €100 to cover the employee’s family. Can rates be negotiated with the insurer?
- Absolutely. The more employees your company has, the more negotiating power you have. Don’t hesitate to leverage competition and ask for volume discounts. Are there any hidden costs to consider?
Check for management fees, penalties for early termination, and any processing fees. Read the contract carefully before signing up.
Conclusion: Choosing the right company health insurance plan is crucial. The cost of company health insurance depends on many factors, but the investment is worthwhile. Good health insurance improves the well-being of your employees and can become a real competitive advantage for attracting talent. Don’t hesitate to contact a specialized broker or request quotes from several insurers to find the offer best suited to your company and budget.
- Take the time to analyze your needs, compare the coverage options, and negotiate the best rates. Your company and your employees will benefit in the long run.
