46% of Irish population now have health insurance – HIA

The number of people with private health insurance rose slightly between April and June, despite a significant spike in the cost of premiums.

Latest figures from the Health Insurance Authority (HIA) show just over 2.5 million people had private health insurance during the second quarter of the year, representing a little more than 46% of the population.

There was an increase of 4,130 people with a policy during the quarter, however, this growth has slowed considerably when compared with previous quarters.

In the first three months of this year there was a rise of 7,318 people taking out private health insurance, while in the third quarter of 2024 the increase was higher at 13,633.

There are currently 344 inpatient plans available to consumers, with six new plans added since the start of 2025.

According to the HIA, the average adult premium paid is €1,830, which is an increase of 4.5% since the beginning of the year.

It said overall there has been an 11% jump in the average cost of private health insurance since the second quarter of 2024.

There have been increases in premiums in the market recently, which are due to take effect from 1 October.

“Rising costs may be starting to impact growth in the market, and some consumers may be considering whether private health insurance fits within their budget,” the CEO of the Health Insurance Authority Brian Lee said.

“If you’re renewing your plan soon, it’s important to review what you’re paying for and what you actually use. Even if you’re happy with your provider, you might find a better-value plan that suits your needs,” Mr Lee said.

“Our free and impartial comparison tool makes it easy to explore your options, and our team is here to help by phone or email if you need support,” he added.