Overview
- From January 1, 2026, the contribution assessment ceilings rise to €5,812.50 per month for statutory health and long‑term care insurance and €8,450 per month for pensions, with the compulsory insurance threshold set at €77,400 per year and a special €69,750 level for those privately insured at the end of 2002.
- The private insurers' association says about 60% of customers will face premium hikes at the turn of the year, averaging roughly 13% across affected tariffs.
- Allianz (about 11%), Gothaer (about 12.7%), Barmenia (about 11.6%) and HanseMerkur (13%) have confirmed increases tied to sustained growth in medical benefit costs.
- Many retirees in private insurance receive only a partial pension subsidy toward premiums, leaving out‑of‑pocket payments ranging from several hundred euros to over €1,000 per month.
- Older policyholders face steep hurdles returning to statutory insurance, and unpaid private premiums can lead to debt and transfer to a limited emergency tariff, while statutory funds also warn of a higher average additional contribution of at least 2.9%.