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Health insurance companies: Switch and save up to 850 euros!
Find out how rising health insurance contributions in 2025 will create savings potential by switching insurance companies. Information and tips here.
Health insurance companies: Switch and save up to 850 euros!
On January 1, 2025, numerous health insurance companies increased their individual additional contribution rates. Around 88 percent of health insurance companies have increased their contributions Insurance journal reported. Of these, 14 health insurance funds, which represents more than one in seven, have increased the additional contribution by more than double compared to the previous year.
The differences are considerable: With an additional contribution rate of just 1.84 percent, BKK Firmus is the cheapest nationwide health insurance company, while the Deutsche Rentenversicherung Knappschaft-Bahn-See charges the highest rate at 4.4 percent. A member of the cheapest health insurance company can save up to 850 euros a year compared to the most expensive health insurance company. A total of 82 of 94 health insurance companies increased their additional contributions, six funds remained stable, but their rates were already over three percent.
Current developments in health insurance contributions
BKK Mobil recorded the highest increase of 2.4 percentage points, while BKK Groz-Beckert had the largest percentage increase of 257 percent. The additional contribution rates of the four largest health insurance companies rose by 50 to 104 percent. The general contribution rate for statutory health insurance has remained unchanged at 14.6 percent since January 1, 2015. Both employers and employees pay half of the additional contribution.
Switching to a cheaper health insurance company can be financially worthwhile for those insured and can enable savings of up to 846 euros per year. The change usually requires an application for membership with the new fund as well as informal information to the employer. What is particularly relevant is that if the additional contribution rate increases, a change is possible without a commitment period. Information on the modalities of changing health insurance is available on the website of the Federal Ministry of Health, such as statutory health insurance funds.de notes.