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Additional Contributions Germany Rising Costs Reforms Legislation Policy Predictions Bürgergeld Premium Increases Financial Impact Techniker Krankenkasse Deutsche Rentenversicherung Knappschaft-Bahn-See AOK Niedersachsen AOK Rheinland AOK Nordost Insurance Premiums Financial Reforms Regional Health Insurance Political Influence Financial Projections Social Contributions Policy Changes DAK-Gesundheit Cost Increases Statutory Health Insurance 2026 Contributions Krankenkassenbeiträge