En principal, le CEDS considère que « le mécanisme » de la recommandation conduit à un régime de protection sociale à « deux vitesses ». En effet, il pointe le problème de la mutualisation du mauvais risque par le seul assureur recommandé et estime ainsi que du fait de l’asymétrie d’obligations entre assureur recommandé et assureur non recommandé « ceci met » en péril l’équilibre financier du régime d’assurance complémentaire tel que proposé par l’organisme recommandé par les partenaires sociaux.
Le CEDS estime également que la suppression des clauses de désignation entraine de facto la limitation des pouvoirs de négociation des partenaires sociaux au niveau de la branche, et considère que le gouvernement français « ne démontre pas comment la recommandation d’un ou plusieurs organismes assureurs permet de garantir l’effectivité réel de la négociation collective des « partenaires sociaux ».
Cette décision est de nature à redonner espoir aux défenseurs des clauses de désignation, qui permettent de fait un cadre sécurisé de mutualisation.
Ainsi les partenaires sociaux de la branche boulangerie ont présenté le 6 décembre 2018, conjointement avec l’avocat-conseil Jacques Barthélémy, une proposition de texte législatif « clé en main » instaurant une convention collective de sécurité sociale dans les branches professionnelles. Surfant sur la décision du CEDS, certaines organisations syndicales espèrent désormais pouvoir porter ce texte au parlement pour remédier aux difficultés rapportées concernant les régimes de branche avec clause de recommandation.
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