German Health Insurers Announce Significant Premium Increases for 2025

The financial strain on Germany's public health insurance system is leading to widespread premium hikes next year.

Jens Baas, CEO of Techniker Krankenkasse, warns of a 'premium shock' as nearly all insurers plan to increase their contributions.
The projected deficit for the statutory health insurance system in 2025 is over 14 billion euros, driven by rising healthcare costs and demographic changes.
The Federal Ministry of Health has set a new average additional premium rate of 2.5%, a 0.8 percentage point increase from the current rate.
Many insurers have already raised premiums in 2024 due to financial difficulties, with a reported deficit of 4.5 billion euros for the year.
Despite the financial challenges, reductions in healthcare services are not anticipated, as insurers aim to address funding gaps through premium adjustments.