Health insurance coverage: The large GKV overview – This is how costly your medical health insurance will likely be within the new 12 months | EUROtoday

Despite a financial savings package deal from the Federal Ministry of Health, medical health insurance contributions are rising for many individuals with statutory medical health insurance at first of the 12 months. According to the German Financial Service Institute (DFSI), 31 medical health insurance firms are growing their further contributions and 36 are conserving them steady. A choice remains to be pending for different funds.

With her reform package deal, Federal Health Minister Nina Warken (CDU) aimed to stabilize the typical further contribution at 2.9 p.c in 2026. Without financial savings, Warken stated in an interview with “Spiegel”, the contribution “would definitely have increased by 0.3 percentage points”.

The large overview – This is how your medical health insurance contributions will change from 2025 to 2026

• TUI BKK: from 17.1 p.c to 17.1 p.c (change: +/-0)
• hkk: from 16.79 p.c to 17.19 p.c (change: +0.4)
• Audi BKK: from 17.0 p.c to 17.2 p.c (change: +0.2)
• Technician medical health insurance: from 17.05 p.c to 17.29 p.c (change: +0.24)
• WMF BKK: from 17.05 p.c to 17.45 p.c (change: +0.4)
• HEK: from 17.1 p.c to 17.49 p.c (change: +0.39)
• DAK-Gesundheit: from 17.4 p.c to 17.8 p.c (change: +0.4)
• Bertelsmann BKK: from 17.8 p.c to 17.8 p.c (change: +/-0)
• Debeka BKK: from 17.85 p.c to 17.85 p.c (change: +/-0)
• BARMER: from 17.89 p.c to 17.89 p.c (change: +/-0)
• Salus BKK: from 17.59 p.c to 17.89 p.c (change: +0.3)
• The Continentale BKK: from 17.93 p.c to 17.93 p.c (change: +/-0)
• IKK wholesome plus: from 17.99 p.c to 17.99 p.c (change: +/-0)
• IKK traditional: from 18.0 p.c to 18.0 p.c (change: +/-0)
• BKK GILDEMEISTER SEIDESTICKER: from 18.0 p.c to 18.0 p.c (change: +/-0)
• R + V BKK: from 17.56 p.c to 18.09 p.c (change: +0.53)
• mkk – my medical health insurance: from 18.1 p.c to 18.1 p.c (change: +/-0)
• Novitas BKK: from 17.58 p.c to 18.2 p.c (change: +0.62)
• BIG direct wholesome: from 17.99 p.c to 18.29 p.c (change: +0.3)
• Pronova BKK: from 17.8 p.c to 18.3 p.c (change: +0.5)
• KKH Kaufmännische Krankenkasse: from 18.38 p.c to 18.38 p.c (change: +/-0)
• vivida bkk: from 18.39 p.c to 18.39 p.c (change: +/-0)
• BKK ProVita: from 17.49 p.c to 18.39 p.c (change: +0.9)
• SBK: from 18.4 p.c to 18.4 p.c (change: +/-0)
• BKK VerbundPlus: from 18.49 p.c to 18.49 p.c (change: +/-0)
• Mobile medical health insurance: from 18.49 p.c to 18.49 p.c (change: +/-0)
• SECURVITA: from 18.5 p.c to 18.5 p.c (change: +/-0)
• Home medical health insurance: from 17.7 p.c to 18.5 p.c (change: +0.8)
• BKK Pfalz: from 18.5 p.c to 18.5 p.c (change: +/-0)
• vitality BKK: from 17.58 p.c to 18.58 p.c (change: +1.0)
• VIACTIV medical health insurance: from 17.87 p.c to 18.79 p.c (change: +0.92)
• IKK – The Innovation Fund: from 18.9 p.c to 18.9 p.c (change: +/-0)
• Knappschaft: from 19.0 p.c to 18.9 p.c (change: -0.1)
• BKK 24: from 18.99 p.c to 18.99 p.c (change: +/-0)
• AOK Rhineland-Palatinate/Saarland: from 17.07 p.c to 17.07 p.c (change: +/-0)
• BKK Faber-Castell & Partner: from 16.78 p.c to 17.08 p.c (change: +0.3)
• BKK Public: from 16.9 p.c to 17.1 p.c (change: +0.2)
• AOK Bayern: from 17.29 p.c to 17.29 p.c (change: +/-0)
• BKK PFAFF: from 17.38 p.c to 17.38 p.c (change: +/-0)
• BKK SBH: from 17.39 p.c to 17.39 p.c (change: +/-0)
• AOK Saxony-Anhalt: from 17.1 p.c to 17.49 p.c (change: +0.39)
• AOK Lower Saxony: from 17.3 p.c to 17.58 p.c (change: +0.28)
• SKD BKK: from 17.08 p.c to 17.58 p.c (change: +0.5)
• AOK Hessen: from 17.09 p.c to 17.58 p.c (change: +0.49)
• AOK NordWest: from 17.39 p.c to 17.59 p.c (change: +0.2)
• AOK Baden-Württemberg: from 17.2 p.c to 17.59 p.c (change: +0.39)
• BKK Freudenberg: from 17.09 p.c to 17.59 p.c (change: +0.5)
• AOK Plus: from 17.7 p.c to 17.7 p.c (change: +/-0)
• Bosch BKK: from 17.28 p.c to 17.78 p.c (change: +0.5)
• BKK VDN: from 17.79 p.c to 17.79 p.c (change: +/-0)
• IKK Südwest: from 17.85 p.c to 17.85 p.c (change: +/-0)
• AOK Rheinland/Hamburg: from 17.59 p.c to 17.89 p.c (change: +0.3)
• AOK Bremen and Bremerhaven: from 17.09 p.c to 17.89 p.c (change: +0.8)
• BKK Euregio: from 17.99 p.c to 17.99 p.c (change: +/-0)
• BKK Akzo Nobel: from 17.99 p.c to 17.99 p.c (change: +/-0)
• ZF BKK: from 18.0 p.c to 18.0 p.c (change: +/-0)
• BKK unique: from 16.99 p.c to 18.09 p.c (change: +1.1)
• BKK Technoform: from 18.09 p.c to 18.09 p.c (change: +/-0)
• AOK Nordost: from 18.1 p.c to 18.1 p.c (change: +/-0)
• BKK Diakonie: from 18.4 p.c to 18.4 p.c (change: +/-0)
• mhplus medical health insurance: from 17.89 p.c to 18.46 p.c (change: +0.57)
• BKK DürkoppAdler: from 18.48 p.c to 18.48 p.c (change: +/-0)
• BKK Melitta HMR: from 18.1 p.c to 18.5 p.c (change: +0.4)
• BKK Scheufelen: from 18.0 p.c to 18.59 p.c (change: +0.59)
• BKK ECONOMY AND FINANCE: from 18.59 p.c to 18.59 p.c (change: +/-0)
• IKK Brandenburg and Berlin: from 18.95 p.c to 18.95 p.c (change: +/-0)
• BKK HERKULES: from 18.98 p.c to 18.98 p.c (change: +/-0)

Several portals provide medical health insurance calculators the place customers can calculate their private contribution for 2026: Insured folks can calculate on-line how excessive the contribution is for every particular person medical health insurance firm.

The further contributions will even rise for insured folks within the new 12 months: the Techniker Krankenkasse is growing its further contribution by 0.24 share factors to 2.69 p.c, the DAK and the AOK Baden-Württemberg are additionally growing. Barmer, KKH and IKK traditional, nonetheless, depart their contribution unchanged.

For many medical health insurance firms, the choice on further contributions was solely made shortly earlier than the flip of the 12 months, as the executive boards historically meet right now. However, a contribution adjustment on January 1st will not be necessary – will increase through the 12 months are additionally doable. Currently, solely the Knappschaft medical health insurance firm is lowering its further contribution by 0.1 share factors.

A particular proper of termination applies to insured individuals whose medical health insurance firm will increase the contributions.

Criticism and Warken’s reforms

Millions of insured folks should pay extra subsequent 12 months. High earners with a month-to-month wage of 5,800 euros or extra can count on further prices of as much as 348 euros if their contribution will increase by one share level.

The CEOs of a number of medical health insurance firms criticize Warken’s reforms as insufficient. The minister rejects the allegations and instructed the “Süddeutsche Zeitung”: “Everyone has responsibility, including the coffers.” She emphasizes that with out the austerity package deal, considerably extra insurers would have elevated their premiums. “Now some funds will increase next year, others won’t,” says Warken.