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Health insurance contributions are rising: households are feeling a significant increase
Find out why health insurance premiums will rise dramatically in 2025 and how this could affect your budget. Read more about the planned increase in this informative article.
Health insurance contributions are rising: households are feeling a significant increase
Health insurance contributions in Germany are expected to increase significantly in the coming year. Employees must prepare for an increase in the additional contribution, which will have a noticeable impact on their budgets. Pension contributions are set to increase from 2026, according to the traffic light government's pension package II. In addition, premium increases in health insurance are imminent due to the clinic reform by Health Minister Karl Lauterbach. According to the “Handelsblatt” it is expected that the additional contribution will rise from the current 1.7 to 2.45 percent from 2025.
Andreas Storm, head of the health insurance company DAK-Gesundheit, recently warned of significant premium increases. He predicted an increase of 0.5 percentage points for health insurance and 0.2 points for long-term care insurance at the beginning of 2025. Both social insurance companies are recording stronger spending dynamics than previously expected. A deficit of up to 2.5 billion euros is expected in health insurance by the end of the year, which is a conservative estimate.
The financing of Lauterbach's clinic reform puts a burden on the health insurance companies and thus on the insured. A transformation fund of 50 billion euros by 2035 is intended to support clinics, with the federal states covering half and the statutory health insurance companies covering the other half. It is expected that health insurance companies will increase contributions to raise their share of 25 billion euros for the fund.
Andreas Storm expressed criticism of the planned redistribution burden, which would mainly be borne by those with statutory health insurance, while civil servants and privately insured people would be excluded. This practice is referred to as classic “bottom-up redistribution” and is considered constitutionally untenable. The government is expected to decide on the hospital reform this year.