As of May 1, 2025, Muface enters a new stage. This date marks the beginning of a deep change in the Sanitary Model that covers more than a million and a half of Officials and their families. With a new sanitary concert on the table, the system is transformed not only to improve benefits, but also to make them more sustainable and fair in the long term. It is one of the most ambitious reforms of recent years, both for its reach and for its investment.
For a long time, the General Mutuality of Civil Officials of the State It has been the pillar that guarantees the medical care of official personnel in Spain. However, The model needed an impulse to catch up with the new demands of the mutualists: Waiting lists, population aging and increasingly high costs are just some of the challenges it faced. Therefore, this new health concert is not only an improvement, but a direct response to an urgent need for renewal. And in a context where the public health system is in the spotlight, MUFACE launches a proposal that has been well received by both professionals and user associations. After several months of uncertainty about the new concert, now, the increase in financing, the redesign of the premiums and the commitment to healthcare continuity are clear signs that MuFACE will continue although with news. Then we break down Everything that changes, how it affects you if you are mutualist and why this turn can mark a before and after.
Everything that changes in MUFACE from May 1
The first data that is obvious is the budget: 4,808.05 million euros for the 2025-2027 period. This is an increase in more than 1.2 billion compared to the previous concert. And why is this increase so important? Because with more resources better services can be offered, reinforce critical areas such as specialized attention or coverage in rural areas, and ensure that insurers can respond to the real demand of users.
With this investment, it is intended not only to maintain, but raise the quality of medical care that officials and their families receive. A gesture that finally responds to many of the historical claims of this group.
Raising of 41.2% premiums and how the system changes for age stretches
One of the most outstanding novelties is accumulated rise of premiums by 41.2% During the three years that the new concert will be in force. But far from being a simple price increase, this restructuring responds to a more balanced model: Now the premiums will be calculated according to age sections. This means that those who have a higher risk (by age or health needs) will contribute more to the system.
This adjustment allows the system to be more equitable, since it distributes the cost proportionally. Besides, This formula seeks to protect MUFACE’s economic viability in the long termavoiding deficits that harm the quality of the service or that force to make cuts in the future.
Guaranteed coverage during transition
One of the great concerns when changes of this type are announced is whether there will be interruptions in medical care. In this case, MuFACE has made it very clear that no. Until the award of the new health concert is formalized, the mutualists will continue to receive assistance under the same current conditions.
This support is made thanks to the legal mechanism known as order of continuity of servicescontemplated in the Public Sector Contract Law. In other words: no dependent official or family will be affected by delays, stops or improvised changes in their medical treatments or visits. A transition is guaranteed without shocks, something that, without a doubt, provides peace of mind.
How do these changes affect the mutualist day?
In practice, this new concert should translate into a better health experience for mutualists. With more resources, more personal, and a model more adapted to the current profile of the insured, The waiting times are expected to improve, the network of centers available will be expanded and response to needs that until now were unattendedsuch as home care or coverage in areas with low medical density.
In addition, mutualists will notice that the premium structure responds better to their personal situation. Instead of a flat model, now the system will take into account the age and associated health riskwhich allows customizing the cost without losing acquired rights.
As of May 1, mutualists will begin to notice the effects of this transformation. TOLugo changes will be immediate, others will arrive throughout the next three years. But they all respond to a clear idea: to improve the service, protect the system and take better care of those who have dedicated their lives to public service.
