Overview

• Average kassenindividueller Zusatzbeitrag stood at 2.9% at the start of 2025, already above the 2.5% orientation value.
• The Bundesrechnungshof told the Bundestag budget committee that annual shortfalls are growing by roughly six to eight billion euros and pressed for near-term expenditure measures.
• Multiple insurers increased supplemental rates in July and August, pushing some total contribution rates above 18%, with Knappschaft reported at 19% in August 2025.
• The GKV-Spitzenverband is calling for an expenditure moratorium across benefit areas, citing removed cost‑containment rules, demographic pressures and medical advances as key drivers of spending.
• Consumers are being advised to switch to lower-cost funds to cut monthly outlays, with some large funds advertising total rates near 17%.