Health insurance companies in need: Moratorium should stabilize contributions!
Health insurance companies in need: Moratorium should stabilize contributions!
Deutschland - The financial situation of statutory health insurance (GKV) in Germany is tense. Against the background, the GKV checks the introduction of a expenditure moratorium to secure stability and protect the contributors. This reports Infranken.de .
An expenditure moratorium would mean that the health insurance companies delay or suspend payments for a certain period of time to ensure that they do not spend more than they take. The chairwoman of the GKV Spitzenverband, Doris Pfeiffer, has asked for this as an important measure and appeals to politics to take relieving steps.
concern expressed extensively
The Social Association VDK also expresses great concerns about the financial situation of the health insurers. Verena Bentele And calls for responsible action by doctors, clinics and the pharmaceutical industry. It supports the idea of an expenditure moratorium, but emphasizes that the medical care of the patients must not be impaired.
The forecast for long -term care insurance is particularly worrying, which expects a minus of 166 million euros for 2023 and a deficit of 3.5 billion euros for 2026. There is an urgent need for action to ensure performance sustainably.Current challenges and financing problems
The persistent financial challenges also have an impact on the contribution development of the SHI. The average additional contribution has almost doubled in the past three years, and it is currently around 2.9 %. This increase is strongly influenced by increased costs as a result of inflation and corona catch-up effects, as ProContra
The GKV's expenditure structure shows that in 2022 around 53 % of health expenditure of 498 billion euros was not used to statutory health insurance. Almost 289 billion euros of this were spent, including a significant share in hospital treatment and pharmaceutical supply. At the same time, the presence of private supplements remains relevant because they often offer services that are above the GKV level and are increasingly attractive.
Future view and reform approaches
In view of these numerous challenges, the introduction of measures to stabilize the Stabilization of the SHI and long -term care insurance is becoming increasingly urgent. Innovative suggestions, such as an increase in the contribution ceiling or the demand for greater responsibilities of private health companies, gain in importance. The coalition also plans various commissions to develop reform proposals.A real solution to financial problems is also fueled by political debates that affect justice in the healthcare system. Suggestions for citizens' insurance with regard to financing and access to benefits are discussed in order to address the injustices shown, such as from the analyzes for Federal Center for Political Education .
Overall, it remains to be seen whether and how the planned reforms and measures can actually alleviate the serious financial difficulties of statutory health insurance and long -term care insurance.
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