UES 3F resets 2026 health-cover rates and rewrites waiver and retiree rules

The UES 3F companies (Action Logement group) rewrite parts of their 1 December 2015 complementary health-cost scheme through amendment n°3, signed in Paris on 4 December 2025Legifrance. The amendment, concluded for an indefinite period, applies from 1 January 2026LegifranceLegifrance and replaces the provisions it mentions from the 2015 agreement as amended in 2019 and 2020; all other provisions stay unchanged. The move follows a review of members' actual consumption and claims, keeps the guarantees within the contrat responsable framework, and shifts the insurance to the Action Logement group framework contractLegifrance after the central works council gave its opinion on 7 October 2025.

Financing for 2026 is set, indicatively and excluding advisory loading, as a share of the monthly social-security ceiling (plafond mensuel de la sécurité sociale). Under the general scheme: employee alone 3,07%Legifrance, employee plus child or children 4,46%Legifrance, optional spouse 2,79%Legifrance. For members under the Alsace-Moselle local scheme, reflecting the local scheme's different coverage, the 2026 rates as a share of the monthly social-security ceiling are as follows. Employee alone: 2,28% of the ceilingLegifrance. Employee plus child or children: 3,33% of the ceilingLegifrance. Optional spouse: 2,07% of the ceilingLegifrance.

Membership stays compulsory for everyone in scopeLegifrance, with the employee share deducted at source, but the waiver list is rewrittenLegifrance. Public-order waivers track the Code de la sécurité sociale: employees holding Complémentaire Santé Solidaire (C2S) under article L.861-3, employees already covered individually at hiring until that individual contract expires, employees covered through another job or as a beneficiary under a compulsory collective scheme, public-sector complementary cover, a Madelin contract, the Alsace-Moselle local scheme or CAMIEG, fixed-term or agency contracts under three months with responsible health cover, and beneficiaries covered through another compulsory collective contract such as a spouse's. On top of those, the company adds one waiver: fixed-term and agency staff on contracts under 12 months, even without cover taken out elsewhereLegifrance. Every waiver ends as soon as its conditions cease, and no other waiver may be granted.

Suspension rules are replacedLegifrance: membership continues during any suspension with full or partial salary maintenance or with top-up daily benefits or disability pensions co-funded by a UES companyLegifrance, with the employer paying its usual contribution and the employee still paying their share by payroll deduction or directly to the insurer, plus CSG and CRDS on the employer contribution. Cover also continues whenever suspension comes with employer-paid replacement income, expressly including partial activity and long-term partial activity and employer-paid leave such as reclassification or mobility leaveLegifrance.

Retirees get a rewritten guaranteeLegifrance: former employees drawing a retirement pension, including those combining pension and employment, whose last working day was at a UES 3F company, may join voluntarilyLegifrance with no employer contributionLegifrance, paying a specific contribution of their own after a written requestLegifrance; the amount varies with the guarantees chosen. The parties scheduled a shared review of the scheme's consumption at the start of the second half of 2026 to identify any need to change the insurance contract.

Legal basis: Avenant n°3 du 4 décembre 2025 à l'accord collectif UES 3F du 1er décembre 2015 relatif au régime complémentaire frais de santé, applicable from 1 January 2026, read with Code de la sécurité sociale article L.861-3 and Code du travail articles L.2261-7-1, D.2231-2 and D.2231-7.