Overview
- A Federal Ministry of Labour draft circulated on Monday sets the 2027 assessment ceilings at €6,375 per month for statutory health insurance and €8,850 per month for pension and unemployment insurance.
- Calculations in the draft show that, if contribution rates stay the same, employees whose pay sits above the new ceilings could pay up to about €102 more per month, roughly €1,220 a year.
- The rise comes from an automatic indexation using 2025 wage growth of 4.38 percent plus a one‑off €300‑per‑month boost for the health‑insurance ceiling from the GKV stabilization package.
- The draft is not final because it still needs a government decision and Bundesrat approval, and the pending Pflegeneuordnungsgesetz could lift the care‑insurance ceiling and push contributions higher than current estimates.
- Social‑law rules remain in force for couples when one partner enters a care home: the at‑home spouse must keep a necessary living standard (2026 basic need €563/month) and typically €10,000 of cash per adult is protected, so affected households should demand full calculations and use formal remedies if decisions seem wrong.