Suche
Mein Konto
Health insurance contributions are to increase significantly
Read how health insurance contributions will rise from 2025 and how households will be affected. Find out why the Lauterbach reform is driving up costs.
Health insurance contributions are to increase significantly
Health insurance contributions are expected to rise significantly in 2025, resulting in a noticeable increase in additional contributions for households. These adjustments result from further social burdens that Germans will face in the coming years. From 2026 onwards, pension contributions are to increase, as the traffic light government has decided with pension package II. There is also the prospect of health insurance premium increases due to the clinic reform by Health Minister Karl Lauterbach (SPD). It is expected that the additional contribution will be increased from the current 1.7 to 2.45 percent from 2025.
The Health Minister's forecasts have already prompted the head of the health insurance company DAK-Gesundheit, Andreas Storm, to warn of significant premium increases. Health insurance companies are expected to end up in deficit, with a deficit of up to €2.5 billion predicted by the end of the year. The planned clinic reform, which aims to adjust remuneration in clinics in order to prevent hospital deaths, will make a significant contribution to the increase in contributions.
Half of the costs of these reforms will be borne by the health insurance companies and therefore by the insured persons. The creation of a transformation fund worth 50 billion euros by 2035 is to be financed from statutory health insurance funds. This financing will likely lead to an increase in health insurance contributions to fill the 25 billion euro fund. Franz Knieps, CEO of the umbrella organization of company health insurance companies (BKK), is already warning against the unconstitutional misappropriation of contribution funds.
It is criticized that these reforms lead to a redistribution from the bottom up, as civil servants and privately insured people are not involved in financing. The planned hospital reform is expected to be approved by the government this year. It is important to note that statutory health insurance is only intended to provide ongoing costs.