[French national health insurance. The current situation]. / Assurance maladie. Un état des lieux.

An audit of the French national health insurance system would be justified by economic considerations alone, but this would risk overlooking the notions of solidarity and freedom to which the French are rightly attached. European comparisons suggest, however, that our system could be made more efficient without undermining public health. The national health insurance system allows each member of the population to receive high-quality medical care. Practitioners have near-total freedom of prescription and practice. Medical care contributes to the ongoing increase in life expectancy, which is currently 73 years and second only to Japan. Healthcare is also a source of a million jobs. Macro-economic spending controls have failed, owing to medical progress and population aging, and also to medical consumerism favored by an unprecedented range of examinations and treatments, the increasing reimbursement of medical care, and the extension of direct payment by the insurer. Many ineffective measures have been implemented, such as tarification according to activity, and hospital certification. Health spending is also increased unnecessarily by bureaucratisation of healthcare spending and the transfer of professionals to posts for which they are not qualified. Some controversial medical prescriptions are not adequately controlled by the health service. Many reforms are based on over-optimistic economic predictions that fail to take related overheads into account. Lobbying by special interests groups undermines reform and the public interest. Too many independent administrative bodies have been created, and many are less efficient than the public structures they replaced. In sum, the French national health insurance system has become less and less efficient over the years.

[History of the French healthcare insurance system]. / Historique de l'assurance maladie de sa création à nos jours.

At a time when the French healthcare system was going through its most serious crisis, in terms of both organisation and funding, the board of governors of the National Academy of Medicine decided, at its meeting of May 26, 2003, to set up a workgroup on the future of the health insurance system. The workgroup revisited the concept of health insurance, taking economic constraints into account. Medical care covered by the national health insurance system is considered as "'free" by both national insurance contributors (patients) and doctors, who are the primary "spenders". The Academy was the first organization to examine the reasons for the budget deficit, which is largely due to State with nothings. In 2008, the Academy created a healthcare insurance committee. Deficits piled up, amplifying the debt, which eventually may spiral out of control. The French population finally became concerned at the situation. In 2010, France's social security budget deficit will reach some 30.5 billion euros, including 14.5 billion for healthcare insurance alone, a figure which is increasing by 5 billion euros each year. The French President recently announced the creation of a workgroup to examine healthcare expenditure. The Academy's healthcare insurance committee is convinced that reform is necessary and feasible, while preserving the underlying principles of our present system, namely humanism, freedom of choice, responsibility and solidarity.

[The state and health insurance]. / Etat et assurance maladie.

The relationship between the State and the health insurance passes through an institutional and financial crisis, leading the government to decide a new governance of the health care system and of the health insurance. The onset of the institutional crisis is the consequence of the confusion of the roles played by the State and the social partners. The social democracy installed by the French plan in 1945 and the autonomy of management of the health insurance established by the 1967 ordinances have failed. The administration parity (union and MEDEF) flew into pieces. The State had to step in by failing. The light is put on the financial crisis by the evolution of ONDAM (National Objective of the Health Insurance Expenses) which appears in the yearly law financing Social Security. The drift of the real expenses as compared to the passed ONDAM bill is constant and worsening. The question of reform includes the link between social democracy to be restored (social partners) and political democracy (Parliament and Government) to establish a contractual democracy. The Government made the announcement of an ONDAM sincere and medically oriented, based on tools agreed upon by all parties. The region could become a regulating step involving a regional health council. An accounting magistrate would be needed to consider not only the legal aspect but to include economic fallouts of health insurance. The role and the missions of the Social Security Accounting Committee should be reinforced.