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Government Weighs Ending Lowest Care Grade to Close 2026 Nursing Insurance Gap

A federal–state panel plans initial proposals by mid-October to address a projected shortfall in the long-term care system.

Overview

  • Multiple outlets report that the abolition of Pflegegrad 1 is under consideration as a rapid savings measure, with no decision taken yet.
  • About 860,000 to 863,000 people currently in Pflegegrad 1 receive a monthly €131 relief payment plus targeted supports such as home-adaptation grants and emergency call devices.
  • RWI estimates potential savings of roughly €1.8 billion per year from scrapping the grade, compared with a reported 2026 funding gap of around €2 billion.
  • The health ministry points to the Bund–Länder working group on care reform and says results cannot be preempted, with a first report expected by mid-October.
  • Auditors have warned of larger deficits ahead, citing up to €3.5 billion lacking in 2026, while coalition figures signal that all consolidation options are being examined.