Following the quadripartite committee meeting on Wednesday 21 October 2026, the Union of Luxembourg Enterprises (Union des Entreprises Luxembourgeoises - UEL) issued a press release stressing that the financial trajectory of health and maternity insurance could only be stabilised by combining the implementation of efficiency measures with an increase in contributions.

Throughout the discussions, the UEL insisted that these two elements were inseparable. Companies cannot be asked to contribute more without structural decisions being taken at the same time to bring expenditure under sustainable control. The central outcome of the quadripartite meeting, according to the federation, was this joint commitment: no increase in revenue without the parallel implementation of the identified savings.

Firm commitments on expenditure

The UEL welcomed the Minister's firm commitment to initiate the legislative changes necessary to achieve the €95 million in identified structural savings. It also welcomed the continuation of work on medically supervised management after the quadripartite meeting and the commitment to strengthen the fight against abuse and fraud.

According to the UEL, without structural reform, the imbalance would re-emerge, automatically leading to further increases in contributions, which would in turn raise labour costs. The federation therefore stressed that these commitments must produce results at the same pace as the effort required from contributors.

The contribution rate will be formally determined within the framework provided for by the governance of the National Health Fund (CNS). However, the UEL stressed that "the level of increase in the contribution rate must be limited to what is necessary to stabilise the trajectory, taking into account the savings implemented".

Sickness-related absenteeism

Beyond the agreed efficiency measures, sustainable control of healthcare expenditure must also address sickness-related absenteeism. According to the federation, its increase places a burden on both the Employers' Mutual Insurance Scheme (Mutualité des employeurs) and the CNS, as well as on the organisation of companies and employees who remain at work.

The UEL demanded that "absenteeism be brought back to the table without delay and become a priority at the highest level".

Concrete decisions must be taken to address the causes of absenteeism, prevention, the responsibility of all stakeholders and the fight against abuse, while providing the Medical Control Service with the means to intervene more quickly and effectively.

The issue is a collective one: preserving employees' health, protecting those who are ill, avoiding overburdening teams remaining at work, supporting business operations and containing expenditure borne by the Employers' Mutual Insurance Scheme and the CNS.

A stabilised financial trajectory under monitoring

The combination of structural savings and additional revenue should stabilise the financial trajectory until 2030 and beyond the period currently covered by projections, according to the UEL.

This would provide greater predictability for the healthcare system while preventing the financial recovery from relying exclusively on contributors. A review clause will bring the social partners together again to examine actual developments in revenue and expenditure and to take additional corrective measures promptly where necessary.

Charlotte Junck, Director of the UEL, stated: "The UEL will ensure that both elements progress at the same pace: the increase in revenue necessary to stabilise the system and the effective achievement of the announced savings."