Overview

• DSW says the government fund contribution prevented an estimated €6 monthly increase.
• The insurer labels the freeze temporary and calls for structural reform focused on prevention and social determinants of health.
• It advocates less market competition and more locally organized care via regional budgets.
• The cabinet expects other insurers’ premiums to rise by about €3 per month on average.
• Other insurers will publish 2026 rates in the coming weeks with a 12 November deadline, while proposals such as halving the deductible remain politically undecided.