{"id":29625,"date":"2025-11-03T10:00:00","date_gmt":"2025-11-03T08:00:00","guid":{"rendered":"https:\/\/carexpat.com\/blog\/?p=29625"},"modified":"2026-04-27T15:32:58","modified_gmt":"2026-04-27T13:32:58","slug":"pmss-2026-quel-impact-pour-les-expatries-et-leur-assurance","status":"publish","type":"post","link":"https:\/\/carexpat.com\/blog\/pmss-2026-quel-impact-pour-les-expatries-et-leur-assurance\/","title":{"rendered":"PMSS 2026 et expatriation : ce qui change pour votre assurance sant\u00e9 !"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Le <strong>Plafond Mensuel de la S\u00e9curit\u00e9 Sociale (PMSS)<\/strong>, une r\u00e9f\u00e9rence centrale du syst\u00e8me social fran\u00e7ais, est fix\u00e9 \u00e0 <strong>4 005 \u20ac mensuel<\/strong> (soit 48 060 \u20ac par an) au 1er janvier 2026. Cette augmentation, d&rsquo;environ +2 % par rapport \u00e0 2025, est loin d&rsquo;\u00eatre anodine pour les Fran\u00e7ais de l&rsquo;\u00e9tranger.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bien que vivant hors de France, le PMSS constitue une base de calcul essentielle pour de nombreuses <strong>cotisations, prestations et garanties d\u2019assurance<\/strong>. Il peut donc avoir un effet <strong>indirect ou direct<\/strong> sur les contrats d\u2019assurance sant\u00e9, y compris ceux des <a href=\"https:\/\/carexpat.com\/blog\/ma-sante-a-l-etranger-expatriation\/\" target=\"_blank\" rel=\"noreferrer noopener\">expatri\u00e9s ou des assur\u00e9s internationaux<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L&rsquo;impact r\u00e9el d\u00e9pendra de votre <strong>situation d&rsquo;expatri\u00e9<\/strong>, de votre <strong>pays de r\u00e9sidence<\/strong>, et surtout du <strong>type de contrat sant\u00e9<\/strong> que vous d\u00e9tenez (local, national, international ou li\u00e9 \u00e0 la France). Dans ce contexte, l&rsquo;ann\u00e9e 2026 est un moment cl\u00e9 pour <strong>ajuster ou ren\u00e9gocier<\/strong> votre couverture sant\u00e9.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Qu\u2019est-ce que le PMSS et quelle est sa nouvelle valeur pour 2026 ?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le PMSS, ou <strong>Plafond Mensuel de la S\u00e9curit\u00e9 sociale<\/strong>, est une valeur de r\u00e9f\u00e9rence qui d\u00e9coule du PASS (Plafond Annuel de la S\u00e9curit\u00e9 sociale).<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Indicateur<\/strong><\/td><td><strong>Valeur 2026<\/strong><\/td><td><strong>Variation estim\u00e9e vs 2025<\/strong><\/td><\/tr><tr><td><strong>Plafond Annuel de la S\u00e9curit\u00e9 Sociale (PASS)<\/strong><\/td><td><strong>48 060 \u20ac<\/strong> par an<\/td><td>+2%<\/td><\/tr><tr><td><strong>Plafond Mensuel de la S\u00e9curit\u00e9 Sociale (PMSS)<\/strong><\/td><td><strong>4 005 \u20ac<\/strong> par mois<\/td><td>+2%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u00c0 quoi sert le PMSS ?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ce plafond est la pierre angulaire de multiples calculs sociaux en France :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Il sert \u00e0 <strong>fixer des assiettes ou des plafonds de cotisations<\/strong> (retraite, assurance maladie, ch\u00f4mage, etc.).<\/li>\n\n\n\n<li>Il est utilis\u00e9 pour <strong>d\u00e9terminer les plafonds de prestations<\/strong> (indemnit\u00e9s journali\u00e8res maladie, maternit\u00e9, etc.).<\/li>\n\n\n\n<li>Il sert de <strong>base de calcul ou de r\u00e9f\u00e9rence<\/strong> dans certains contrats d\u2019assurance, mutuelles ou pr\u00e9voyance, y compris ceux destin\u00e9s aux expatri\u00e9s.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pourquoi l\u2019expatri\u00e9 doit-il se poser la question ?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00eame en \u00e9tant loin du territoire fran\u00e7ais, cette valeur de r\u00e9f\u00e9rence peut vous concerner de mani\u00e8re directe ou indirecte.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Quand le contrat d\u00e9pend du r\u00e9gime fran\u00e7ais<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si vous \u00eates un Fran\u00e7ais expatri\u00e9 ou r\u00e9sidant \u00e0 l\u2019\u00e9tranger mais <strong>restant affili\u00e9 \u00e0 un r\u00e9gime fran\u00e7ais<\/strong> (adh\u00e9sion \u00e0 la Caisse des Fran\u00e7ais de l\u2019\u00c9tranger (CFE), ou maintien d\u2019un lien avec la France) :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Le PMSS peut servir de <strong>base pour calculer certaines de vos cotisations <\/strong><a href=\"https:\/\/carexpat.com\/blog\/protection-sociale-et-cfe\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>CFE<\/strong> (Caisse des Fran\u00e7ais de l&rsquo;\u00e9tranger)<\/a> ou certains plafonds de remboursement.<\/li>\n\n\n\n<li>Si votre assurance compl\u00e9mentaire fran\u00e7aise ou votre contrat d\u2019assurance sant\u00e9 international \u00ab top-up \u00bb (surcompl\u00e9mentaire) se r\u00e9f\u00e8re aux valeurs de la France, l\u2019augmentation du PMSS peut entra\u00eener un <strong>ajustement des cotisations et\/ou des garanties<\/strong>.<\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Exemple Concret :<\/strong> Un contrat de pr\u00e9voyance qui indexe la garantie sur \u00ab X % du PMSS \u00bb verra son montant de garantie \u00e9voluer.<\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Quand vous \u00eates couvert via une assurance sant\u00e9 internationale<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si vous \u00eates couvert par un contrat d\u2019assurance sant\u00e9 <strong>\u00ab globale \u00bb (international private medical insurance &#8211; IPMI)<\/strong> et que vous r\u00e9sidez hors de France (via des assureurs comme Cigna, AXA Global Healthcare, etc.) :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Le PMSS fran\u00e7ais sera <strong>moins directement pertinent<\/strong>, sauf mention explicite dans votre contrat li\u00e9e \u00e0 une couverture en France.<\/li>\n\n\n\n<li>Toutefois, les assureurs internationaux peuvent consulter les <strong>r\u00e9f\u00e9rences nationales<\/strong> (comme la France, le Royaume-Uni ou les \u00c9tats-Unis) pour fixer des garanties, cotisations ou seuils, ce qui peut <strong>influencer indirectement la tarification<\/strong> ou les conditions g\u00e9n\u00e9rales des contrats.<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-divi-layout\"><h2>carexpat.com, la nouvelle fa\u00e7on de<br \/><span style=\"color: #15203d;\">s&rsquo;assurer \u00e0 l&rsquo;\u00e9tranger<\/span><\/h2><h3><span style=\"color: #DBDB19; font-size: 22px;\">1.<\/span>\u00a0\u00a0Meilleurs prix<\/h3>\n<ul>\n<li>&nbsp;&nbsp;Sans surco\u00fbt sur les tarifs assureurs,<br \/>\n&nbsp;&nbsp;nous comparons + de 300 offres d&rsquo;assurance<\/li>\n<\/ul><h3><span style=\"color: #DBDB19; font-size: 22px;\">2.<\/span>\u00a0\u00a0Simplicit\u00e9<\/h3>\n<ul>\n<li>&nbsp;&nbsp;Un parcours simple pour s\u00e9lectionner votre<br \/>\n&nbsp;&nbsp;solution en quelques clics<\/li>\n<\/ul><h3><span style=\"color: #DBDB19; font-size: 22px;\">3.<\/span>\u00a0\u00a0Accompagnement<\/h3>\n<ul>\n<li>&nbsp;&nbsp;Nos conseillers sont l\u00e0 pour un<br \/>\n&nbsp;&nbsp;accompagnement 100% personnalis\u00e9<\/li>\n<\/ul><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Impacts potentiels concrets de la hausse du PMSS 2026<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019augmentation du PMSS \u00e0 4 005 \u20ac en 2026 pourrait avoir plusieurs cons\u00e9quences concr\u00e8tes. L\u2019augmentation du PMSS peut faire grimper les cotisations d\u2019assurance sant\u00e9 ou de mutuelle. Cette hausse touche directement les contrats dont les tarifs sont index\u00e9s sur ce plafond.Elle peut \u00e9galement impliquer un ajustement des franchises et des plafonds de remboursement dans les contrats rattach\u00e9s au r\u00e9gime fran\u00e7ais, tels que ceux propos\u00e9s par la CFE ou les mutuelles fran\u00e7aises. Enfin, pour les employeurs fran\u00e7ais disposant de salari\u00e9s expatri\u00e9s, cette revalorisation n\u00e9cessitera souvent une adaptation des \u00e9l\u00e9ments de paie et des cotisations sociales correspondantes.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Sp\u00e9cificit\u00e9s pour les expatri\u00e9s et l&rsquo;assurance sant\u00e9 internationale<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Face \u00e0 cette \u00e9volution, voici les aspects de votre contrat \u00e0 v\u00e9rifier scrupuleusement :<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>\u00c9l\u00e9ment \u00e0 v\u00e9rifier<\/strong><\/td><td><strong>D\u00e9tail de l&rsquo;impact<\/strong><\/td><\/tr><tr><td><strong>Indexation des garanties ou cotisations<\/strong><\/td><td>Votre prime ou vos garanties sont-elles index\u00e9es sur le PMSS, le PASS, ou un autre indicateur fran\u00e7ais ?<\/td><\/tr><tr><td><strong>Plafond de remboursement<\/strong><\/td><td>Certains contrats libell\u00e9s en euros peuvent mentionner des plafonds sp\u00e9cifiques : \u00ab jusqu\u2019\u00e0 X fois le PMSS \u00bb pour certaines prestations.<\/td><\/tr><tr><td><strong>Territorialit\u00e9 et couverture France<\/strong><\/td><td>Si votre contrat couvre la France ou pr\u00e9voit un retour, le r\u00e9gime fran\u00e7ais et ses \u00e9volutions (PMSS) importent pour l&rsquo;\u00e9quilibre des remboursements.<\/td><\/tr><tr><td><strong>Affiliation sociale fran\u00e7aise (CFE\/PUMA)<\/strong><\/td><td>Si vous avez un lien parall\u00e8le avec la France, l&rsquo;\u00e9volution du PMSS impacte l&rsquo;\u00e9quilibre entre votre assurance locale et votre assurance internationale.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Conseils pour l\u2019expatri\u00e9<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Anticipez l&rsquo;ajustement :<\/strong> Faites r\u00e9guli\u00e8rement le point sur les mises \u00e0 jour du PMSS\/PASS afin d\u2019anticiper une hausse de cotisation ou un ajustement des garanties. Le +2 % pour 2026 peut se cumuler avec d\u2019autres r\u00e9visions tarifaires.<\/li>\n\n\n\n<li><strong>Interrogez votre assureur :<\/strong> Demandez explicitement : \u00ab <strong>Mon contrat est-il index\u00e9 sur le PMSS ou un autre indicateur fran\u00e7ais ?<\/strong> \u00bb. Obtenir cette clarification vous permettra de comprendre si la hausse est automatique.<\/li>\n\n\n\n<li><strong>Comparez les options :<\/strong> Un contrat local dans votre pays de r\u00e9sidence, combin\u00e9 \u00e0 une assurance rapatriement et une bonne couverture maladie internationale, peut parfois \u00eatre plus \u00e9conomique et adapt\u00e9 qu&rsquo;un contrat global index\u00e9 sur des bases fran\u00e7aises.<\/li>\n\n\n\n<li><strong>Pensez au retour en France :<\/strong> M\u00eame sans lien social aujourd&rsquo;hui, si un <a href=\"https:\/\/carexpat.com\/blog\/rentrer-en-france-apres-une-expatriation\/\">retour en France<\/a> est dans vos plans, l&rsquo;\u00e9volution du PMSS influence les conditions de r\u00e9affiliation sociale et d&rsquo;assurance maladie \u00e0 votre retour.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Le PMSS 2026 concerne-t-il vraiment les expatri\u00e9s ?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Oui, mais son impact reste cibl\u00e9. Il convient d\u2019\u00eatre particuli\u00e8rement attentif si vous conservez un lien avec le r\u00e9gime fran\u00e7ais ou si vos contrats d\u2019assurance sant\u00e9 se r\u00e9f\u00e8rent aux bases fran\u00e7aises (PMSS ou PASS), car l\u2019augmentation \u00e0 4 005 \u20ac par mois peut entra\u00eener certains ajustements. En revanche, l\u2019effet sera plus limit\u00e9 si vous b\u00e9n\u00e9ficiez d\u2019un contrat d\u2019<a href=\"https:\/\/carexpat.com\/assurance-sante\/expatriation\" target=\"_blank\" rel=\"noreferrer noopener\">assurance sant\u00e9 purement international<\/a>, sans lien direct avec le syst\u00e8me fran\u00e7ais. Toutefois, une r\u00e9percussion indirecte peut se faire sentir \u00e0 travers l\u2019\u00e9volution tarifaire g\u00e9n\u00e9rale du march\u00e9. En tant qu\u2019expatri\u00e9, il est donc essentiel de bien comprendre les fondements de votre contrat, d\u2019en identifier les r\u00e9f\u00e9rences et d\u2019anticiper les \u00e9ventuelles \u00e9volutions. Le passage \u00e0 2026 constitue une excellente occasion pour faire ce point de situation.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Le Plafond Mensuel de la S\u00e9curit\u00e9 Sociale (PMSS), une r\u00e9f\u00e9rence centrale du syst\u00e8me social fran\u00e7ais, est fix\u00e9 \u00e0 4 005 \u20ac mensuel (soit 48 060 \u20ac par an) au 1er janvier 2026. Cette augmentation, d&rsquo;environ +2 % par rapport \u00e0 2025, est loin d&rsquo;\u00eatre anodine pour les Fran\u00e7ais de l&rsquo;\u00e9tranger. Bien que vivant hors de [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":29627,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[10],"tags":[101,128],"class_list":["post-29625","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-conversion","tag-expat","tag-ma-sante-a-letranger"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>PMSS 2026 : quel impact sur les expatri\u00e9s et leur assurance ?<\/title>\n<meta name=\"description\" content=\"PMSS 2026 fix\u00e9 \u00e0 4 005 \u20ac : d\u00e9couvrez son impact sur les cotisations, garanties et contrats sant\u00e9 des expatri\u00e9s fran\u00e7ais \u00e0 l\u2019\u00e9tranger.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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