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Germany to Raise Social Contribution Ceilings, Hitting Millions of Higher Earners in 2026

A roughly €4 billion gap at statutory health funds has prompted warnings of higher supplemental premiums in early 2026.

Overview

  • Reports say the cabinet is expected to approve a regulation on Wednesday to lift the assessment ceilings for pension, health and long-term care contributions starting in January 2026.
  • The pension insurance ceiling would rise to €8,450 a month from €8,050, and the health and care ceiling to €5,812.50 from €5,512.50, with private insurance eligibility moving to €6,450.
  • About 2.1 million higher earners would pay more into the pension system and roughly 5.5 million employees would see higher health and care contributions.
  • Estimated individual effects cited include around €33 more per month for singles earning €6,000–€8,000 and about €75 more from €8,500 and above.
  • CDU figures criticize the move as a burden on the middle class, while insurer leaders flag a funding shortfall and point to the Oct. 15 Schätzerkreis forecast as the next marker for contribution decisions.