Health: Experts: 0.8 proportion factors extra medical insurance contributions | EUROtoday

Health insurance coverage may grow to be noticeably dearer for many individuals with statutory medical insurance within the coming 12 months. Experts from the so-called estimator group have decided a mathematically needed enhance within the contribution price of 0.8 factors to 2.5 p.c of the contributory revenue for the federal election 12 months 2025, because the Federal Office for Social Security (BAS) in Bonn introduced. Politico had beforehand reported. However, the worth is just a theoretical worth. Each medical insurance firm decides for itself how a lot the contribution price really will increase.

The appraisal group contains specialists from the Federal Ministry of Health, the BAS and the umbrella affiliation of statutory medical insurance firms (GKV).

Additional contribution presently between 0.7 and three.28 p.c

Specifically, it’s concerning the enhance within the so-called extra contribution. All these with statutory medical insurance have the mounted contribution price of 14.6 p.c – half borne by employers and half by staff. In addition, the presently 95 statutory medical insurance funds cost an extra contribution to cowl prices, half of which can also be paid by either side.

The extra contribution varies and, in response to a continuously up to date GKV checklist, is presently between 0.7 and three.28 p.c. There is a fund under that doesn’t cost any extra contributions. The common extra contribution price charged by medical insurance firms was 1.78 p.c in August, because the Federal Ministry of Health introduced.

At 3,000 euros gross, 12 euros much less web

According to the GKV, the forecast of the group of estimators is a theoretical measurement that outcomes from the ratio of present revenue and expenditure of the medical insurance firms as a complete. The medical insurance firms’ bills in 2025 are estimated at 341.4 billion euros. Based on this estimate, the Ministry of Health will announce a mean extra contribution for the approaching 12 months by November 1st. The medical insurance firms then decide the precise quantity for themselves.

Therefore, no exact data can but be given concerning the precise quantity of prices for the person. Mathematically, a rise of 0.8 proportion factors on a gross revenue of three,000 euros monthly would imply 12 euros much less web – the employer pays the opposite 12. If a fund will increase the extra contribution price, members have a particular proper of termination.

Cash registers repeatedly warn of economic gaps

The medical insurance firms had already warned at first of September that their spending within the first half of the 12 months had elevated much more than within the first quarter. The deficit has grown to greater than 2 billion euros and can attain as much as 4.5 billion euros for the 12 months as a complete.

For ample financing, the extra contribution for the present 12 months shouldn’t have been an estimated 1.7 p.c final fall, however slightly 2 p.c, criticized the National Association of Statutory Health Insurance Funds. He additionally introduced that he anticipated an extra contribution price of a minimum of 2.3 p.c for 2025.

Lauterbach: German healthcare system the costliest in Europe

Federal Health Minister Karl Lauterbach (SPD) mentioned in an preliminary response: “The German healthcare system is the most expensive in Europe because it is not efficient in many areas.”

A key purpose for the rising medical insurance contributions is rising bills for hospitals at a document tempo. “That’s why we need hospital reform.” This is to be determined within the Bundestag on Thursday and can put the financing of the nation’s clinics on a brand new foundation. The forecast from the group of estimators exhibits the need of the structural reforms initiated by the federal authorities, mentioned Lauterbach.

Spending on hospitals and medicines continues to rise

According to the Ministry of Health, medical insurance expenditure within the first half of the 12 months was 161.3 billion euros – a rise of seven.3 p.c in comparison with the identical interval final 12 months.

Expenditure on hospital remedy elevated by 3.6 billion euros within the first six months and was subsequently a big driver of the excessive spending dynamics, the ministry mentioned in September. Increasing case numbers and rising nursing workers prices are among the many causes given. In addition, spending on medicines elevated by 10 p.c (2.5 billion euros) within the first half of the 12 months.

Fund contributions rise, taxes fall

Not solely are medical insurance contributions anticipated to rise, nursing care insurance coverage can also be experiencing monetary issues. As was just lately reported, the federal government assumes that the contribution price will have to be elevated by 0.25 to 0.3 factors.

On the opposite hand, reduction from revenue tax is deliberate. The so-called primary allowance – i.e. the a part of revenue that isn’t taxed – will enhance within the coming 12 months. Exactly how a lot remains to be controversial within the authorities.

“Bild”, citing a calculation by the Taxpayers’ Association, reported that plans offered by Finance Minister Christian Lindner (FDP) would imply round 11.40 euros extra web for a single with 3,000 euros gross monthly. For a four-person household with 6,000 euros gross monthly, it might be 23.50 euros extra monthly.

dpa