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Merz Government Signals Benefit Cuts as Health Insurers Lift 2026 Surcharges

A government finance commission will deliver initial proposals by March 2026 to guide broader fixes.

Overview

  • Chancellery chief Thorsten Frei said some benefits must be removed to reduce costs and called for stronger gatekeeping by primary care doctors before specialist visits.
  • Verivox reported that 31 statutory insurers will raise their additional contributions for 2026, including Techniker Krankenkasse to 2.69 percent and DAK-Gesundheit to 3.2 percent.
  • Economist Monika Schnitzer urged higher self-payments, including a revived practice fee, warned contribution rates could reach 25 percent without reforms, and argued for cutting non‑evidence‑based benefits.
  • The statutory insurers’ association countered that a practice fee would not curb spending that is projected to rise by roughly €23 billion to about €370 billion in 2026, calling instead for structural reform.
  • The Bundestag and Bundesrat approved a roughly €2 billion savings package for 2026—about €1.8 billion from hospitals—which critics in the SPD and insurers deem insufficient ahead of broader reform work.