Health insurance contributions increase again: What is now to be insured!

Health insurance contributions increase again: What is now to be insured!

From July 2025, the insured in Germany will have to dig deeper into their pockets, because the contributions to the health insurance companies rise again. The financial imbalance of many health insurance companies remains, and eight providers have increased their contributions since the beginning of the year. A total of 14 health insurance companies have attracted the fees in the past few months, and six more have applied for an increase in their additional contributions on July 1st. That sounds alarming, and that's it.

This is particularly clear due to the greatest jumps in contributions that the IKK Berlin and Brandenburg presents: they increase their contribution by 4.35 percent, which makes 18.95 euros. The IKK Innovation Cash register also follows 4.31 percent (18.90 euros) and the Securvita with an increase of 3.91 percent (18.50 euros). If you take a closer look, you can see that corporate health insurance companies such as the Merck BKK, the BKK BMW and more increase your contribution. The big topic remains the question: Who ultimately has to pay the bill? Merkur reports that ...

The financial situation of the health insurance companies

According to the GKV top association, the average contribution rate of statutory health insurance amounts to 17.1 percent for 2025 after it was still 16.3 percent in 2024. This represents the highest contribution rate in the history of the SHI. The average additional contribution rate also increases from 1.7 percent in 2024 to 2.5 percent as of January 1, 2025. This does not relieve the health insurance companies, but increases the existing difficulties. It is estimated that the health insurance companies have to fight with an annual shortfall of over 10 billion euros. Data from the VDEK show that this trendy increase is not only a one-off phenomenon, but rather the prospects of improvement appear cloudy.

The Federal Government has sought loans of 2.3 billion euros for statutory health insurance and 500 million euros for long -term care insurance for the years 2025 and 2026. Minister of Health Nina Warken (CDU), however, describes the loans as no sustainable solution and criticizes the lack of financial support for non -insurance benefits. After all, the question remains: where does all the money end up? As the socket income for civil allowance recipients and the pension contributions for caring relatives, this problem is also not installed in the planned budget compensation.

additional contributions and their effects

The increase in additional contributions has a direct impact on the insured. For a single with a gross income of 2000 euros, the increase in the contribution of the IKK Berlin and Brandenburg means, for example, 156 euros annually. With an income of 5000 euros, it is even 390 euros. These are amounts to think about when the next salary statement flutters into the house. The financial burdens grow and the questions about solutions for the exceeding expenses become more pressing than ever. Finanztip adds that ...

The political discussion about the use and distribution of funds in the health sector remains exciting. It remains to be seen how the federal government's plans will work in practice and whether insured persons in Germany are granted a ray of hope in this financial darkness. In view of the short -standing premium increases, it is time to deal with the various providers and maybe also critically question whether your owner is really the right choice. The number of increased contributions speaks a clear language and asks the insured to make informed decisions.