From 2025, employees will have to prepare for significantly higher health insurance contributions.
Inflation, high costs of living and rising rents are currently putting a lot of strain on your wallet. From 2025 onwards, the burden of spending on employees is likely to increase again. From the new year onwards, health insurance companies will significantly increase their additional contributions.
Over 30 health insurance companies have already increased their additional contributions in the course of 2024.From 2025, the average additional contribution will rise from 1.7 to 2.5%.
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However, this is only a guideline from the Federal Ministry of Health.Statutory health insurance companies do not necessarily have to increase their contributions.But this also means that the additional contributions can vary greatly depending on the health insurance company.
The reason for the increase in additional contributions lies in the enormous financial deficit of the statutory health insurance companies. According to thatFederal Ministry of HealthThe deficit in the first half of 2024 was 2.2 billion euros. The GKV's income totaled 159.1 billion euros, but expenses amounted to 61.3 billion euros.
According to thatFederal Ministry of HealthThe additional contribution is now already 1.78 and has therefore increased by 0.08% compared to the average value for 2024 calculated in October 2023.
How are the health insurance contributions made up?
The health insurance contributions consist of the general contribution rate and the additional contribution. TheThe general contribution rate is 14.6 percentand is solid. The health insurance companies are free to decide on the additional contributions. Currently that is enoughRange between 0.9% and 3.28%.
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Which health insurance company you choose is entirely individual. When choosing the right health insurance company, you should not only pay attention to the amount of additional contributions, but also to the services offered.
According to oneEvaluationAccording to the market research institute “Deutsches Finanz-Service Institut”, DFSI for short, the Techniker Krankenkasse (TK) performed best. The Hanseatic Health Insurance Fund (HEK) is in second place and IKK Südwest is in third place. BKK Werra-Meissner brings up the rear.
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