{"id":18764,"date":"2026-09-24T13:59:46","date_gmt":"2026-09-24T13:59:46","guid":{"rendered":"https:\/\/veilles-affaires-sociales.fr\/?p=18764"},"modified":"2026-09-24T13:59:46","modified_gmt":"2026-09-24T13:59:46","slug":"assurance-maladie-obligatoire-et-complementaires-sante-un-eclairage-chiffre-sur-les-scenarios-devolution-du-financement-des-soins-2","status":"publish","type":"post","link":"https:\/\/veilles-affaires-sociales.fr\/?p=18764","title":{"rendered":"Assurance maladie obligatoire et compl\u00e9mentaires sant\u00e9 : un \u00e9clairage chiffr\u00e9 sur les sc\u00e9narios d’\u00e9volution du financement des soins\u00a0"},"content":{"rendered":"

L\u2019Inspection g\u00e9n\u00e9rale des affaires sociales (IGAS) et l\u2019Inspection g\u00e9n\u00e9rale des finances (IGF) publient une \u00e9tude de chiffrage destin\u00e9e \u00e0 \u00e9clairer les d\u00e9bats sur l\u2019avenir de l\u2019articulation entre l\u2019assurance maladie obligatoire (AMO) et les compl\u00e9mentaires sant\u00e9 (assurance maladie compl\u00e9mentaire, AMC). Ce travail prolonge le rapport \u00ab Refonder l\u2019articulation entre assurance maladie obligatoire et compl\u00e9mentaires sant\u00e9 au service de la transformation du syst\u00e8me de sant\u00e9 \u00bb remis par quatre personnalit\u00e9s qualifi\u00e9es (Elisabeth Hubert, Nicolas Bouzou, St\u00e9phane Junique et Franck Von Lennep).<\/p>\n

L\u2019\u00e9tude, r\u00e9alis\u00e9e avec le concours de la Drees, ne formule pas de recommandations mais propose un exercice de simulation in\u00e9dit. Elle chiffre plusieurs sc\u00e9narios possibles d\u2019\u00e9volution du partage de financement entre AMO et AMC. Elle \u00e9value pour chaque option l\u2019impact sur les d\u00e9penses publiques, sur le reste \u00e0 charge des assur\u00e9s apr\u00e8s remboursement par l\u2019AMO et sur le niveau des primes vers\u00e9es aux compl\u00e9mentaires sant\u00e9. Elle analyse \u00e9galement les effets redistributifs de ces sc\u00e9narios entre cat\u00e9gories d\u2019assur\u00e9s.<\/p>\n

Deux grands types de r\u00e9formes sont \u00e9tudi\u00e9s. Le premier concerne des sc\u00e9narios de \u00ab bouclier sanitaire \u00bb, dans lesquels les restes \u00e0 charge des assur\u00e9s seraient plafonn\u00e9s apr\u00e8s intervention de l\u2019AMO : au-del\u00e0 d\u2019un certain seuil annuel de d\u00e9penses de sant\u00e9, l\u2019assurance maladie prendrait en charge 100 % des d\u00e9penses. Le second porte sur des sc\u00e9narios de \u00ab d\u00e9croisement \u00bb du panier de soins, consistant \u00e0 attribuer la prise en charge de certains postes de d\u00e9penses exclusivement \u00e0 un financeur (AMO ou AMC), en mettant fin au m\u00e9canisme actuel de copaiement sur ces postes.<\/p>\n

Ces travaux visent \u00e0 fournir aux pouvoirs publics un \u00e9clairage chiffr\u00e9 sur les cons\u00e9quences financi\u00e8res et redistributives de diff\u00e9rentes options de r\u00e9forme de l\u2019articulation entre AMO et AMC, afin d\u2019alimenter la d\u00e9cision publique en mati\u00e8re de financement du syst\u00e8me de sant\u00e9. Deux documents sont mis \u00e0 disposition : une synth\u00e8se et un rapport d\u00e9taill\u00e9 de chiffrage.\u00a0(contenu r\u00e9sum\u00e9 par l’IA)\u200bLire la Suite<\/a><\/p>","protected":false},"excerpt":{"rendered":"

L\u2019Inspection g\u00e9n\u00e9rale des affaires sociales (IGAS) et l\u2019Inspection g\u00e9n\u00e9rale des finances (IGF) publient une \u00e9tude de chiffrage destin\u00e9e \u00e0 \u00e9clairer les d\u00e9bats sur l\u2019avenir de l\u2019articulation entre l\u2019assurance maladie obligatoire […]<\/p>\n","protected":false},"author":1,"featured_media":4524,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[],"tags":[249,227],"class_list":["post-18764","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","tag-igas","tag-ia"],"_links":{"self":[{"href":"https:\/\/veilles-affaires-sociales.fr\/index.php?rest_route=\/wp\/v2\/posts\/18764","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/veilles-affaires-sociales.fr\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/veilles-affaires-sociales.fr\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/veilles-affaires-sociales.fr\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/veilles-affaires-sociales.fr\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=18764"}],"version-history":[{"count":0,"href":"https:\/\/veilles-affaires-sociales.fr\/index.php?rest_route=\/wp\/v2\/posts\/18764\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/veilles-affaires-sociales.fr\/index.php?rest_route=\/wp\/v2\/media\/4524"}],"wp:attachment":[{"href":"https:\/\/veilles-affaires-sociales.fr\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=18764"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/veilles-affaires-sociales.fr\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=18764"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/veilles-affaires-sociales.fr\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=18764"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}