Overview

• Over 65,000 civil servants have abandoned MUFACE’s private healthcare scheme for the public INSS system in 2025 citing deteriorating service quality.
• Membership in private concerted providers dropped from 1.057 million in December 2024 to 992,782 by June; public INSS enrollment climbed from 506,742 to 567,530.
• MUFACE attributes its forecast €64.1 million deficit to delayed state budget approvals coupled with escalating pharmacy expenses in its healthcare contract.
• CSIF plans to resume September mobilizations, calling for reduced pharmaceutical copayments for pensioners if funding and service standards remain unaddressed.
• The three-year, €4.8 billion contract with Adeslas and ASISA introduced governance commissions alongside digital certificate issuance, yet it has failed to stem budget shortfalls, with membership continuing to decline.