MGEN Secures Key Health Insurance Contracts for Education Sector Ahead of 2026 Reforms
Paris, 14 January 2026 – MGEN, the largest mutual insurance company in France specialising in public sector employees, has been selected to manage the mandatory complementary health insurance for staff in the Ministry of National Education, Higher Education, Research, Youth, and Sports. With reforms set to take effect from April 2026, the changes aim to enhance coverage and solidarity, while MGEN continues to demonstrate financial strength through recent redistributions to members.
Background on MGEN
MGEN, or Mutuelle Générale de l’Éducation Nationale, was founded in 1946 and has grown to protect over 4.6 million people, including employees in education, culture, research, and related fields. As part of the VYV Group since 2017, MGEN operates on a non-profit model, focusing on health insurance, supplementary coverage, and social services. In 2024, the company reported a turnover of €3 billion, with €2.5 billion from health services, and a net profit of €96 million, down slightly from €103 million in 2023. Its solvency ratio stands at 250.5%, ensuring robust financial stability.
2026 Reforms and Contract Wins
Under France’s 2019 public service transformation law, employers must now contribute at least 50% to employees’ complementary health insurance, up from the current 15€ monthly contribution. MGEN won the tender for the Education Ministry’s contract in 2025, effective from 1 May 2026, covering staff in national education, higher education, research, youth, and sports. This includes a base health package with options for enhanced coverage, plus a separate provident scheme. The reforms prioritise better health coverage, stronger solidarity for families and retirees, and preventive actions.
In July 2025, MGEN’s general assemblies approved a €67 million redistribution, providing €40 to nearly 1.7 million members to offset potential tax increases and support purchasing power. Additionally, MGEN is streamlining its structure, with plans for mergers and portfolio transfers approved by the Prudential Control and Resolution Authority, aiming for €250 million in annual savings by 2027.
Key Facts
| Aspect | Details |
|---|---|
| Founded | 1946 |
| Members Protected | Over 4.6 million |
| 2024 Turnover | €3 billion (€2.5 billion health, €459 million provident) |
| 2024 Net Profit | €96 million |
| Solvency Ratio | 250.5% |
| 2025 Redistribution | €40 per member to 1.7 million people (€67 million total) |
| Reform Effective Date | 1 May 2026 |
| Employer Contribution Increase | From €15 to at least 50% of premium |
Frequently Asked Questions
What is MGEN’s role in the 2026 reforms?
MGEN manages the mandatory complementary health insurance for education sector employees, providing a base package with options for better coverage, alongside a provident scheme for income protection.
How will the reforms affect employees?
Employees will see improved reimbursements and preventive services, with employers covering more of the costs. Affiliation starts from October 2025, with a 21-day response window via professional email.
Are there exemptions?
Yes, for those with alternative coverage, such as through a spouse’s employer plan or state aid schemes like the Complémentaire Santé Solidaire.
What about retirees?
Retirees can opt into the collective contract with the same benefits, though employer contributions do not apply.