The PSOE and Sumar have put on the table a imposed to health insurance. This is a measure which, if successful (at the moment it is only a proposal to Congress), would result in the payment of premiums by more than 12 million users. up 8%. A controversial proposal which Might Boycott Muface’s Futurewhose survival hangs by a thread.
As EL ESPAÑOL-Invertia learned, the increase in taxes (which consists of removing the tax exemption on insurance premiums -IPS- from which health insurance benefits) has generated a significant unrest among insurers. They do not understand this “attack on the government” (represented by the PSOE and Sumar, in this case) at such a delicate moment for the future of the mutuality of civil servants.
Remember that the Muface agreement for 2025 and 2026 was void because the insurers considered that the offer of improved premiums (17.12% over the entire period) proposed by the Government was insufficient. Currently the Executive is working on a new proposal with the corresponding economic improvement, unknown at the moment.
However, the sector does not expect the proposal presented by the Department of Digital Transformation and Civil Service to achieve the minimum increase in bonuses it has demanded from the government. or 40%.
In this scenario, insurers do not understand the increase in taxes on health insurance agreed between the socialists and Sumar. This is a measure which risks having a negative impact on insurers’ billing, given that it would lead to a rise in prices and a loss of policyholders.
However, both in the sector and in the political sphere, it is accepted that This tax initiative will not take place due to the firm opposition of Junts and the reluctance of the PNV.. In fact, right now, the entire tax reform being discussed in Congress is in danger due to lack of support and conflicts between political groups.
However, the simple threat exploited by government parties, indicate some voices, reduces the room for maneuver of insurers to accept a proposal from Muface which does not meet their expectations. SO, could explode the future of mutuality.
The insurance employer, Unespahas already expressed his opposition to the measure and, above all, to the arguments for implementing it. It is worth remembering that “the exemption of private health insurance premiums” must be abolished, according to Sumar, because “it presents a clearly regressive bias, fundamentally benefiting individuals and families with high incomes”.
But Unespa specifies that “this type of insurance is taken out by people of all income levels. At the end of 2023, private health insurance had 12.4 million policyholders spread across Spain. one citizen in four voluntarily decides to take out this protection“, they remember.
Income
According to information from the Tax Agency, “in 2022, personal income tax taxpayers whose income exceeds 60,000 euros amounted to around 1.2 million people, out of a total of almost of 23 million establishments (5% of the total). compared, it is clear that more than 10 million citizens who take out private health insurance cannot be considered high-income people“, they argue.
There’s more. The employers’ association warns that the increase in premiums caused by the application of the IPS to health insurance “would lead to a drop in the number of people who take out this type of insurance and, consequently, an increase in demand public health care throughout the national territory. Approval of this measure would therefore have very negative effects for all Spanish citizens.“.
Finally, remember that in most European Union countries health insurance is exempt from paying IPS. In this way, furthermore, applying this measure would go against the European budgetary trend.
