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Germany’s Largest Insurer Warns Health Premiums Will Rise in 2026 as Savings Law Stalls

A roughly €10 billion shortfall and a Bundesrat referral of the government’s €2 billion package to the mediation committee leave little time to prevent higher Zusatzbeiträge in the new year.

Overview

  • TK chief Jens Baas forecasts the average additional contribution slightly above 3% at the start of 2026, with some funds likely to raise rates during the year.
  • The health ministry had targeted a 2.9% average based on planned hospital savings, but the legislation is now delayed in the Vermittlungsausschuss.
  • Insurers warn that even a late compromise may not affect initial 2026 rates because funds must finalize their budgets now.
  • Baas points to rising hospital, drug and outpatient spending and urges system‑wide reforms to address inefficiencies.
  • Political reaction includes CSU leader Markus Söder calling to avoid new burdens and to speed up digitalization, while projections caution combined health and long‑term care contributions could exceed 25% without action.