Rising Insurance Contributions in Statutory and Private Health Insurance
Berlin. Statutory and private health insurance (GKV and PKV) contributions are expected to rise again in 2025. This was announced by the Federal Insurance Supervision (BaFin) on Friday in Bonn. The authority set the average contribution rate for the GKV at 16.2 percent. This means that employees and their employers will each have to pay 8.1 percent of their gross income for health insurance in the future. In 2024, the average contribution rate was still 15.9 percent.
According to BaFin, the main reason for the increase in GKV contributions is the rising costs of medical services. The authority also cited the demographic change as a factor. The number of pensioners is increasing, while the number of people of working age is decreasing. This means that there are fewer people paying into the GKV system, while the number of beneficiaries is growing.
In private health insurance, contributions are also expected to rise. According to the PKV Association, the average contribution rate will increase by 2.8 percent in 2025. This means that PKV policyholders will have to pay an average of 8.3 percent of their gross income for health insurance in the future. In 2024, the average contribution rate was still 8.1 percent.
The PKV Association also cited the rising costs of medical services as the main reason for the increase in contributions. In addition, the association also pointed to the fact that PKV policyholders are getting older on average. This means that they are more likely to need expensive medical services.
The increase in health insurance contributions is likely to put a strain on the finances of many people. However, there are some ways to reduce the burden. For example, GKV members can switch to a cheaper health insurance company. PKV policyholders can reduce their contributions by increasing their deductible.
Steigende Versicherungsbeiträge in der GKV und PKV
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