Health insurance: In 2023, premiums could rise sharply

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According to some indicators, health costs have taken the lift in 2021. This could well affect household budgets next year, with premiums rising sharply.

After very stable 2022 premiums (+ 0.2%), health circles expect a catch-up, which could hurt household wallets.

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“A sharp rise in premiums is unfortunately plausible. She will be unbearable. We have two parliamentary sessions to act. It is in these terms that the national councilor Pierre-Yves Maillard (PS / VD) fears an increase in health insurance premiums for 2023, which could be above 5%, up to 9%, according to the pessimistic figures published on April 3 by “Le Matin Dimanche”. His colleague Benjamin Roduit (C / VS), member of the Health Commission, confirms that a “significant increase this autumn is unfortunately conceivable”.

Cost on the rise from mid-2021

While last year, for 2022 premiums, the increase was only 0.2%, how can this sudden development be explained? According to the Sunday newspaper, quoting a representative of the Federal Office of Public Health (FOPH), healthcare costs jumped in the middle of last year: “While costs were stable until the half of 2021, they then took the elevator. Over the whole of last year, the increase reached 5.1%”.

Catch-up and psychic load

The two umbrella organizations of health insurance, SantéSuisse and Curafutura, make the same observation of rising costs and strong pressure on 2023 premiums. According to various stakeholders, there has been a catch-up effect from operations that had not could not be made during the acute phase of the pandemic. Yvonne Gilli, the president of the association of doctors, FMH, also notes an increase in consultations of young adults: “This seems to be a consequence of the psychological load that the pandemic has represented for them”.

Reservations still in question

For SantéSuisse spokesperson Christophe Kaempf, the setting of the 2022 premiums was a mistake: “Last year we repeatedly warned against a reduction in the reserves of health insurers for political reasons. This warning was ignored and the 2022 premiums were set below expected costs.

Pierre-Yves Maillard believes that there is still fat in these reserves: “They are necessary to mitigate the increases, but they should not amount to 200 or 300%”. For him, Parliament must find solutions in the coming weeks or months: “Our responsibility is to act urgently on all fronts: use of reserves and capping of premiums and costs”.

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