Overview

• Germany's statutory health insurers reported a €6.2 billion deficit for 2024, €700 million higher than earlier projections.
• The insurers raised contribution rates in January 2025 to an average of 17.5%, the highest increase in over 50 years, but financial challenges persist.
• The GKV-Spitzenverband, representing health insurers, has urged the government to implement a spending moratorium to curb escalating costs.
• The proposed moratorium aims to limit expenditures to match current income levels while structural reforms are enacted to balance finances.
• Without intervention, health insurance contributions could rise significantly again by early 2026, impacting millions of insured individuals and employers.