This is a decree that puts a measure that we think was buried. Released in the official magazine on August 13, the text is, in fact, the exemption of basic and complementary age insurance contributions for doctors in the retention of accumulation employment … but within the limit of 70,000 euros in annual income and provided that these doctors exercise in medical deserts.
As a reminder, taking into account that doctors gain their lives well enough, the left, in particular the socialists and rebels, had obtained the abolition of this advantage within the framework of the Social Security Financing Law (PLFSS) for 2025. The decree published in the Olympic Games, therefore, constitutes an exception to the general rule.
More than a third of general professionals in the priority intervention zone
According to the Autonomous Retirement Fund of the doctors of France (CARMF), it is as if the exemption of contributions had not been eliminated, or almost, for doctors. “There are many subdense areas, so it arrives at the same time,” we breathe with BFM Business.
If we take the Division of Medical Deserts carried out by Regional Health Agencies (AR), 42.1% of the general professionals exercise in the Priority Intervention Zone (ZIC) in 2024, that is, the territories where the deficiencies of medical human resources are the most obvious. Among them, those who are in accumulation of employment retreats, therefore, no longer contribute to the basic and complementary old age insurance.
On the other hand, the general professionals installed in the complementary action zone (ZAC) are not affected by the decree that gives the right to the exemption of contributions if they are in the accumulation of employment retention.
Degradation of access to care?
If the Government puts into practice this exemption from contributions for doctors in the accumulation of employment features in the ZIP, it is to encourage them to continue attending patients in these territories in medical desertification. And yet, the measure could be counterproductive in terms of access to attention.
In other words, by promoting doctors in the accumulation of employment challenges in tense areas, the measure will precisely encourage professionals to retire. “The problem is that doctors in the cumulation employment challenge tend to work for less days than assets, which will therefore degrade access to patient care in little dense areas,” Carmf said.
President of the French Union for Free Medicine (UFML), Jérôme Marty sees things differently. This general practitioner installed in Fronton (Haute-Garonne) is even favorable to this measure: “The benefit is greater than the risk in terms of access to care,” he says with BFM businesses, considering that the measures taken by the government so that the “700,000 patients in AD (long-term condition, editor’s note) have a treating doctor.”
This is what Jean-Christophe Notette, Undersecretary General of MG France, majority union among general doctors. “This gift that is given (doctors in the accumulation of employment retention, the editor’s note), on the one hand, will be that they will be assumed in the form of additional taxes and will constitute a deficit for the CARMF that will be obliged to penalize the assets to which we do not give gifts,” he told BFM Business.
More numerous doctors for cumulative-retito employment
However: beyond the first appeal care, Carmf statistics show that it is more numerous doctors who agree with employment retreats. As of January 1, 2025, they were 8,089, or 57% of liberal doctors in accumulation and almost 1,900 more than their general doctors.
However, as the annual income limit that gives the right to the exemption of contributions for professionals in the accumulation of employees-turned in Zips is established at 70,000 euros annually, it is unlikely that specialists really benefit from this advantage.
“It should be remembered that doctors in France have an average income of 90,000 euros according to the DREES, this excludes many system practitioners,” he already warned of the deputy of LR of Hauts-of-Seine Philippe Juvvin, in a question written in the government on March 12, 2024, and left unchanged due to the dispersion of the National Assembly a few months later.
According to data published by DREES at the end of last year, in fact, the average income of specialized doctors amounts to 153,300 euros per year. “Depending on the specialty, the average income varies from less than 90,000 euros to more than 400,000 euros,” details the statistical service of social ministries. Even general professionals exploit the ceiling, with an average of 98,300 euros in revenues per year.
Source: BFM TV
